Millions of newcomers and non-resident Indians arrive in the UK each year with strong financial histories built abroad—yet find themselves effectively “credit invisible.” Lacking a UK credit score, they face systemic barriers at every turn: around 70% struggle to rent property, over 60% are declined for credit cards or loans, and nearly half encounter difficulties obtaining basic utilities. Many pay much higher deposits or face outright rejection by landlords, employers, and service providers. Traditional UK bureaus do not recognize overseas credit data, no matter how reliable or extensive it is, leaving skilled migrants at a disadvantage and driving unnecessary financial stress. With no standardized, user-controlled way to prove their trustworthiness, newcomers are judged not on their track record, but on the absence of local data—a gap that Diaspora Credit Mirror is built to close.