₦airaland Forum

deept:
Credit Score - certificate

Credit history - experience

Experience > certificate

Build your experience.

If you don't have a history, you are high risk to these lenders and even if your score is 999 it does not guarantee CC will be approved for you or lenders will give you good rates.

Credit history is a record of how you’ve managed the repayment of debts, such as credit cards and loans.

Credit score is like an opinion everybody has one or a suggestion telling the creditor this person is worth checking out. Your history is what determines your substance. The creditor looks at your profile and what do they see - nada - they move on or the sharks offer you rates that are ridiculously high.

Noworries11:
Elders
Una remember the other day Argos deny me their card after hard search but after some weeks perhaps a month plus, i got a mail that I am qualified for a different type of card blah blah...

I checked my experian credit score and discover my point is now at 746

Please what can I benefit from this score at this stage? Or should I keep going maybe to earn more score before applying for anything?

I presently do not have any CC except my monzo flexi card (don't know if its fully considered as a cc)

Is the 746 still not enough? For sth maybe mortgage

Many thanks my people

Noworries11:
You nailed it bro
Currently learnt same on YouTube....
Helpful
The challenge is spotting the developing hazard on time (rolling my huge eye balls on the screen looking for hazards like a broad light thief yet sometimes they just pop out suddenly from nowhere without me noticing the developing stage

tyllapia:
Download Tesco app and enjoy correct call rate

Lexusgs430:
Conduct an eligibility test, prior to any application, to avoid unnecessary ticks on your credit report........

Lexusgs430:
Your international DL, is tied with the arrival stamp on your passport.....

Once it hits 12 month's, your IDL rights don expire.......

Lexusgs430:
Applied for a bank job, and they ate treating your application like tissue paper........🤣😄

https://www.mylondon.news/news/east-london-news/fraud-gang-paid-crooked-santander-28024308

Why are we always like this ........ Slow and steady, eventually wins the race ........🔥👍

Datakey:
Good morning house.
I'm 2 months in the UK. And I just checked my credit score on experian and it is 771. How do I boost it up? And can I apply for a credit card now ? And if yes, how do I go about that

donplus1:
What side of Ipswich are you? I live 15 mins away from Ipswich but do go frequently for local food shopping. Abroad life can be boring to be honest but you can try make friends in Ipswich. Nigerians plenty for Ipswich.

Born2conquer:
I will join you sokn

iyatrustee:
This small cold wey just dey start to do press up? December is a few weeks away..... na when you go know why most christmas songs get "cold winter night" inside!

sammydoe:
Go primark 'they. Sell cheap. Ass. Cloths. There

Lexusgs430:
Are you on the voters list, are you paying bills, have you applied for any kind of insurance services etc etc etc .......

You cannot get something from nothing....... Read up or watch videos on how to build your credit score ........😜😂


https://www.youtube.com/watch?v=S_8e-SX055I?si=iNwWMcjLFgtoQAi8

Tip101:
Good afternoon boss. Please I need your help regarding the way you went with your applications. I will like to ask a few questions. Please can I pm?
Thanks!

Lexusgs430:
https://www.ebay.co.uk/itm/364385589962?mkcid=16&mkevt=1&mkrid=711-127632-2357-0&ssspo=ryasboewshq&sssrc=4429486&ssuid=qocc3p2OTb2&var=&widget_ver=artemis&media=COPY


https://www.ebay.co.uk/itm/394836460569?mkcid=16&mkevt=1&mkrid=711-127632-2357-0&ssspo=9clpxrwftsi&sssrc=4429486&ssuid=qocc3p2OTb2&var=&widget_ver=artemis&media=COPY

https://www.ebay.co.uk/itm/204428052989?mkcid=16&mkevt=1&mkrid=711-127632-2357-0&ssspo=Gzs3B_kvRx2&sssrc=4429486&ssuid=qocc3p2OTb2&var=&widget_ver=artemis&media=COPY

Focus99:
So I came into UK ealry last week

I have registered for GP, Right to work, NI, electoral roll, Monzo and Lloyds bank

I got registered to a doctor at my GP and still waiting for NHS code so I can go back to my GP for further processing. I got my NI number already, got my monzo and Lloyds bank atm cards.

I got a job two days after I got to UK but still waiting for my DBS to come out cos the company requested for naija police certificate and I needed to make a contact to get in over from naija.

I got a sim with 3 network

I'm a student on a tier 4 visa

Anything else I need to know, apply for or do?

Oldies in the house abeg you guys should put me through oh

Thank you

Nigeria go fit better so? Hahahahahhahahaha the system is working here JESUS omo ehn

Lexusgs430:
Imagine after buying this £4K pots, you come do kitchen renovation, buy induction cooker.........

Pots and cooker, no come dey compatible........😂🤣

koife:
Yeah but Lowestoft campus

TemplarLandry:
Funny.
Use a broomstick then.

Thewritingnerd:
Hi guys, please where are you guys booking affordable and non-transit visa flights (from Lagos to Heathrow/Gatwick) abeg?

julli789:
Anyone please?? My departure date is getting closer and I haven't gotten a place. Please if you know any agent or anyone help me pls🙏🙏🙏

Laadeh:
Hi.
Kindly reply my mail.
Thanks.

rinzylee:
I have replied

Tenski:
Hello guys, i just got my UK driver’s License.

I came to The UK about 5 weeks ago on work Visa. To cut the long story short, i lived in a country for some years and i have their valid driver’s license. When i got to The UK, a friend told me that i can swap my license to get a UK one within 2 weeks, that Licenses from some designated countries can be swapped to a UK one. He showed me his own and i was surprised.

I did a little research and found out that it’s true. Went to the Post office 2 weeks ago and then i filled the DVLA form. I enclosed my BRP card alongside my license and a £43 Cheque. I sent it to DVLA Swansea.

I got a mail today, inside the envelope is my UK driver’s license. I’m so happy as my job demands a full UK license.

Just decided to share this here, thanks guys

Laadeh:
@Datakey, congrats bro.
Pls can I send you a dm?