When it's never been done before

Have a rude and combative employee? Here's what to do about it. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 
INC. THIS MORNING
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When it's never been done before

Good morning,

As a debt-free graduate of UC Berkeley with a six-figure income, Kristy Kim, 33, did not expect to be rejected five times for an auto loan. The South Korean immigrant had never heard about the FICO Score, which judges a person's creditworthiness based on several factors, including credit history. 

To challenge what she saw as an outdated credit bureau system, Kim founded San Francisco-based TomoCredit in 2019 to offer credit cards to immigrants and young adults who don't have satisfying credit scores. Since then the company’s revenue has grown 10 times, with over $2 million dollars in 2021 revenue, up from $200,000 in 2020. Read on for more on how the founder is pushing boundaries in the credit industry.
 
 
 
Building a Company for the Next Generation

How Allbirds Went From a Soccer Player's Side Hustle to a $2 Billion Sustainable Brand.

 
 

 
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Here's what else I'm reading today:
Female founders: Audition today to be featured on the new business competition TV show “Women of Wall Street”--with a chance to win $100,000 for your company. –Inc.
    
Apple's CEO Tim Cook uses energy rituals to optimize his life. This is what it looks like in practice. –Inc.
 
Are you over-apologizing? Use these three tactics instead.  –Inc.
 
Successful founders don’t stress over funding, they focus on planning their way to product-market fit. –Inc.
 
Would you pay $40 a month to have strangers watch you work? Some people would. –NYT
 
Elon Musk’s recent decisions may seem spontaneous, but the business mogul may actually have a strategy. –HBR
One more thing:

Have a rude and combative employee? Here’s what to do about it. –Inc.
 
 
This newsletter was written by Inc. associate editor Brit Morse. How are we doing? Send us ideas and feedback on Twitter.

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