kobe79:



sweetie a credit card and credit history are not directly related.

background checks done wen u want an apt are not based on credit card.
i know people with zero credit, no credit card but good stubbs who are getting apts of their choice condos sef

Well it depends on apartments. My current apartment onLy ask for my passport back then and that was all

zeezahbee:
kobe79, all he's trying to say is not all about international student, we all, know that most people will become PR on the long run.

From all the posts, I think if one is careful, you can successfully use a credit card

I was denied an apartment of my choice 2 days ago because I got no credit history.

No one cares about this I am an international student story. They need this credit history to show to show credibility
I can't count numerous places that ask for credit

Thank you for this.

A friend of mine recently needed to rent an apartment in DC last month and needed someone with a credit history to co-sign for him because they wouldn't rent out the apartment to him because he has no credit history. But co-signing is risky because any month he doesn't pay his rent, it is me they would hold responsible even though I am not living there in the apartment. I could not accept it. He then realized the need for his own credit history. It is important everybody stands on their own. Now he has applied for his own credit card to start building his credit history.

amanze15:
someone told me I shouldn't do "gra gra" to get job on campus, am going to a college town not a big city sha ,

Then you will keep depending from home. Na you wan buy good phone and games the other day, you never know anything

kobe79:


stop bin a politician in all the bolded where did u see u will be denied a job based on some pulled unconsented credit score

It is apparent that you don't read. Please read below:

Why do employers care about your credit? -- CNN

When you're looking for a job, you're probably not thinking about your credit score. But you might want to start.
Though many people argue that credit scores have nothing to do with their capabilities on the job, some employers say differently. Sixty percent of employers recently surveyed by the Society of Human Resource Management said they run credit checks on all or some potential new hires. That's up from 43 percent in 2006 and 25 percent in 1998.

...

The Fair Credit Reporting Act governs almost all issues related to the use of credit reports. Job applicants have the right to a copy of their credit report, and the law requires the hiring entity to provide a copy to the job applicant. In addition, if an employer decides not to hire a candidate based on the results of a credit report, the candidate must be told the reason why and be provided with the credit report information.
Job seekers must be prepared to deal with a potential employer looking at their credit report.

http://www.cnn.com/2010/LIVING/07/12/cb.employers.your.credit/

zeezahbee:
So where could I have gotten a credit history ?

I show them my bank of America account and they saw the inflow of money which was actually good. I also have a seller account on eBay and amazon which I show them that I make good income every month but they need a credit history.

credit history falls in four categories good, zero, bad or fair.
you have a good inflow sweet! like i said a verifiable paid job weda incoming or the one u pay out are key in securing a facility.
also note that u have the right to ask what bench mark is the average to access certain facilities.
you may look good on paper to urself per inflow but does it meet their basic average inflow/outflow to qualify always ask questions and seek alternatives

zeezahbee:
Then you will keep depending from home. Na you wan buy good phone and games the other day, you never know anything

aunty no vex I be learner, just some clarification

ok thank you, will do that.

HoneyBronzed:
I did mine on 15th of July. You should send a mail to support-nigeria @ ustraveldocs . com they will tell you exactly where your passport is. Mine stayed 4working days at the embassy before it was sent to DHL.

kobe79:



Quick question

have you or anyone ever bin asked if you have a credit card when applying for housing loan auto, employment etc?

Does an Intl student ideally need one

Yes. Did you ever live in the US at all? I am beginning to doubt you because you should not be asking this if you claimed you stepped foot in this country.

Yes, an international student needs a credit card to start building their credit history especially if they plan to remain behind in the country. I said this before. Also, even while going to school, some even use their credit cards to pay some of their tuition and pay the money back so they don't fall out of status.

One of our respected members on this forum studying in the US recently applied and was approved for a loan of $3,500 to pay his school fees because he has a good credit history, despite being an international student. I won't mention his name, and he started using a credit card since September last year. The loan would not have been possible had he not had a credit history because the bank pulled his credit report right there in his front and saw his good score and history of paying on time before approving it.

Mr.Kobe, I sabi comprehend.. Mind you big Francis modified the post after I had passed across my message.. Continue your debate..we are all learning from it..Regards

kobe79:


hey wtf are u talking bout?
what is personal in my comments compared to the below or u no sabi comprehend?

A lot of drama is going on here. Bigfrancis is now sounding like a politician.

Francis, are you a Republican or Democrat?

kobe79:


credit history falls in four categories good, zero, bad or fair.
you have a good inflow sweet! like i said a verifiable paid job weda incoming or the one u pay out are key in securing a facility.
also note that u have the right to ask what bench mark is the average to access certain facilities.
you may look good on paper to urself per inflow but does it meet their basic average inflow/outflow to qualify always ask questions and seek alternatives

A high paying job is NEVER an alternative to a credit history. Do you even know how many years it takes to work and get promoted to such high-income level? 10 years maybe? 15 years? How many people are in that high-income bracket in the US? How many? So you're 'advising' her not to have a credit history and rather wait till 10 years from now when she 'gets' promoted to high-income level to be able to buy a house or car? When you could get to that level and ease of obtaining loans in a bank in under 1 year or 2 with a credit card and credit history and buy a home right away and start paying off the mortgage right away and probably be half-way through the mortgage payment in 10 years? Do you realize how inconsiderate you are sounding right now? All these simply because you are scared of being financially irresponsible with a credit card?

worry357:

Now the USA visa / border control will have read your comment
Probably there is a big red flag on your record!
It could get interesting when you try to get past the entry control, even if they don't cancel your visa.

Should have kept your mouth closed!

Nice advice and have deleted my post so please edit yours and remove that quote....thanks once more...

SantaClause:



Can someone car a used car as low as $2000 - $4000 If yes what kinda of car would that be?

Your best bet for that is craigslist.
You can get a decent Nissan or Toyota within that range. Would be high mileage though..

Chai..10yrs half away for a house in US.please what kind of apartment boss?A loan of $3500 (700k) to pay school fees.What is the benefits of going to the States other than study.make una start to dey come back sef..Head rolling..Lol

bigfrancis21:


A high paying job is NEVER an alternative to a credit history. Do you even know how many years it takes to work and get promoted to such high-income level? 10 years maybe? 15 years? How many people are in that high-income bracket in the US? How many? So you're 'advising' her not to have a credit history and rather wait till 10 years from now when she 'gets' promoted to high-income level to be able to buy a house or car? When you could get to that level and ease of obtaining loans in a bank in under 1 year or 2 with a credit card and credit history and buy a home right away and start paying off the mortgage right away and probably be half-way through the mortgage payment in 10 years? Do you realize how inconsiderate you are sounding right now? All these simply because you are scared of not being able to spend wisely using your credit card?

kobe79:


i was just about to even say i tot his epistles were real life experiences dint know he went googling.

LOL!

I stopped watching the Republicans and Democrats on CNN simply because they are all the same.

DeeTus:
A lot of drama is going on here. Bigfrancis is now sounding like a politician.

Francis, are you a Republican or Democrat?

From the beliefs that I espouse, I would regard myself as a democrat.

amanze15:
someone told me I shouldn't do "gra gra" to get job on campus, am going to a college town not a big city sha ,

Yea right. You need to go out of your way to get a job in this country. Jobs can be competitive and tough to get. Don't just sit at home, apply online and wait for the job to come to you. Everybody else is applying online and online job applications can be quite numerous and inundating to the employer. You need to go out there and grab the job that you need.

DeeTus:
LOL!

I stopped watching the Republicans and Democrats on CNN simply because they are all the same.

Not really. They differ based on their core beliefs. Republicans are more conservative and want to see the US remain the way it was 50 years ago, democrats are more liberal and open to change. Both are complements and opposites anyway.

HoneyBronzed:



Hello guys, I plan to live in Maryland. Close to the metro. I'm looking at Either Silver Spring or College Park. But its like most of the rentals in college park give preference to UMD students.
Please can you give me pointers? My budget is 550$, all utilities included.

I currently live close to UMD, few minutes away from Greenbelt metro station and the school bus runs in front of my house, and also regular metro buses. I am very mobile and can get to anywhere I want to go.

$550 a month all utilities included is very realizable. Room in a house is usually cheaper than apartments. I currently pay $420 per month where I stay and utilities per month don't exceed $100 and ranges from as low as $60 per month during summer like this (i.e. $480 in total per month) when the heater is not being used (i.e. less gas bills) to its maximum of $100 in winter (i.e. $520 per month) when the heaters are being used. I haven't even spent up to $550 per month in rent and utilities since I started living here.

We even have a room in our 5-bedroom house that will be available in September. But I think that the outgoing roommate has found someone already.

You can look on craigslist. You will find very good deals there. That's where I found my own house.

If you are going to be studying at UMD, I strongly recommend that you live in College park, Hyattsville or Greenbelt, for these are the areas surrounding UMD and also where students live mostly. Silver Spring is quite a distance from UMD and I used to stay there last year with my Aunt, and it took me 1 hour and half just to get to school and another 1 hour and half to go back home.

kobe79:
@ above

Nothing comes as emergency/surprise to those who save, plan and are conscious of the future.

i know it is more difficult for intl student as per jobs and thst is reason why that CAtegory doesnt NEED it.

Say for eg you get a call from home and you cannot comfortably pay for a ticket comfortably from your pocketthen there is a big problem with your purpose and vision as per the American dream

Referral bonus one gets is not enough motivation to get a category of people into what they do not NEED

In as much as I don't encourage people to get a credit card when they can't manage their finances yet, buying a house is not something everybody can bring out cash and pay for.

zeezahbee:
go to insubuy.com or ISoa.org

You should get something for around $35-40 per month

@BloodyMitch, check if your school accepts external insurance first..but yeah those are good places to buy insurance.

DeeTus:
@Bigfrancis, CNN is just a cable news network. Having no credit card history does not make someone irresponsible.

Don't rely so much on CNN.

In america, it does unfortunately. No credit=bad credit

Yes they do, They asked us to purchase ours or theirs whichever one that pleases you.

biikeys:


@BloodyMitch, check if your school accepts external insurance first..but yeah those are good places to buy insurance.

BloodyMitch:
Yes they do, They asked us to purchase ours or theirs whichever one that pleases you.

Perfect for you!

But the problem now is that am not understanding the insubuy but the other one looks less complex.

biikeys:


Perfect for you!

profojah:

Omonjoe I remembered you asked this question on the Canada thread, I don't think microfinance bank SOA can be shown as evidence of source. You must show a statement from any of the commercial banks.

May I ask why it can't? Some of us have our FD with MfBs because they pay better interest thus, if I choose to sponsor a relative, they have no choice than accept it because tey are licensed by CBN.

BloodyMitch:
But the problem now is that am not understanding the insubuy but the other one looks less complex.

U can use ISoa, it's easy and stressful

SantaClause:



Can someone car a used car as low as $2000 - $4000 If yes what kinda of car would that be?

Yes, you can get a used car at that amount without a credit history if you have the money to pay upfront. $2000 to $3000 is what some people can afford to pay for a used car. You can find good car deals on craigslist or at car auctions.

makinde851:
Pls guys I would be leaving naija in a week time pls I'm a buying a one way ticket. Or round ticket and which airline is the best suggested considering price and services

You only need to purchase a one-way ticket. So far, emirates gives the best deals in flights.

bigfrancis21:


I currently live close to UMD, few minutes away from Greenbelt metro station and the school bus runs in front of my house, and also regular metro buses. I am very mobile and can get to anywhere I want to go.

$550 a month all utilities included is very realizable. Room in a house is usually cheaper than apartments. I currently pay $420 per month where I stay and utilities per month don't exceed $100 and ranges from as low as $60 per month during summer like this (i.e. $480 in total per month) when the heater is not being used (i.e. less gas bills) to its maximum of $100 in winter (i.e. $520 per month) when the heaters are being used. I haven't even spent up to $550 per month in rent and utilities since I started living here.

.

You actually need to get a degree in economics or accounting, then get a job in an auditing firm . You can analyze and compare. Chaiii

Easy and stressful or stress free? and they require a 3 month enrollment

zeezahbee:
U can use ISoa, it's easy and stressful

GboyegaD:


May I ask why it can't? Some of us have our FD with MfBs because they pay better interest this, if I choose to sponsor a relative, they have no choice than accept it because tey are licensed by CBN.

They will accept n won't complain, and then they might deny u n u can't complain too....its always better to use a commercial bank