₦airaland Forum

slimmy05:
Please, be careful with the credit card thingy. From my own point of view. You don't need a credit card for now. Its not really that easy to keep up with and there are rules behind having one and making payment. I strongly advice not to indulge in one. This is not like the normal Terms, rule

slimmy05:
Please, be careful with the credit card thingy. From my own point of view. You don't need a credit card for now. Its not really that easy to keep up with and there are rules behind having one and making payment. I strongly advice not to indulge in one. This is not like the normal Terms, rules and conditions you just sign without reading. Read it carefully.

You have enough time to build your credit score when you start working and earning constant pay. The stress of school and other stuffs is enough for you to bother about. I am not discouraging you. This is just an advice. I will advice you stay off credit cards till you're done with school.

When you're done with school and secure a job. Then you can obtain one and put your bills on it (rent, light, internet, insurance), with this you'll get a good credit score cos that alone should amount to nothing less than $700 monthly.

femi321:
Please house, i am applying to a school for grad studies and i am told to input my social security number..as an international student what should i do?

femi321:
Please house, i am applying to a school for grad studies and i am told to input my social security number..as an international student what should i do?

godG:
Gbam!

kennyrony:
Ignore it. you should see somthing like not applicable or so, tick it..

slimmy05:
you don't need one, so tick not applicable

bigfrancis21:
Sorry for the late response. I have been very busy.

Basically, you need a credit history to obtain a mortgage loan to buy a home in the US, auto loan to buy a car (most Americans who you see driving cars all have those cars on loans which they are paying back every month), or to move into certain apartments or part of certain job requirements. To build a credit history, you would need a credit card and you can check your credit score on http://www.creditkarma.com. Being a newcomer to the country, many major credit card companies would not approve you for the regular (secured) credit card Americans get but only for the secured credit card (a type of card where you have to load your own money in it, spend and re-load. Basically, you're spending your own money, as compared to unsecured cards that come with money already pre-loaded in it from the credit card company). However, you could still get approved for an unsecured credit card through referral. If you are someone who isn't too responsible with finances, your credit card doesn't have to be one of $1000 or $2000 limit. You can start with $500, make those purchases that you usually make with your ATM (debit) card and pay back every month. That's how you build a credit history. I started building my credit history a year ago and my score as of today is well in the 700s, with no late payments, utilization under 10%, no collections, very few credit inquiries etc. on my credit report. Basically, a good credit history indicates financial responsibility and being able to manage your finances maturely. Because of my good credit score so far, credit card companies and loan companies have been sending me offer letters inviting me to apply for their credit cards or loans for instant approval.

Credit scores range from 350 (bad borrower) to 850 (very dependable borrower). Scores in the 600 range are considered average and this is where many Americans fall into, scores in the 700 range are considered very good and you can get approved for just any loan with a score above 720, and those in the 800 range are considered exceptional (with every other thing being equal, this score takes several years and a mix of different credit account types to achieve). Any score below 600 is considered poor. As a first timer just building his credit history, your score would usually start from the 600s and depending on how well you use it, it could either go up or go down. Visit http://www.creditkarma.com regularly to check your score and report. Credit karma also helps you detect any fraudulent activity, not made by you, on your report, which you can always dispute to be taken off your report.

Do you have an SSN yet?
ya jus got ssn...i got a catering job oncampus....
maybe i need to call you...i stil got ur number though

bigfrancis21:
Sorry for the late response. I have been very busy.

Basically, you need a credit history to obtain a mortgage loan to buy a home in the US, auto loan to buy a car (most Americans who you see driving cars all have those cars on loans which they are paying back every month), or to move into certain apartments or part of certain job requirements. To build a credit history, you would need a credit card and you can check your credit score on http://www.creditkarma.com. Being a newcomer to the country, many major credit card companies would not approve you for the regular (secured) credit card Americans get but only for the secured credit card (a type of card where you have to load your own money in it, spend and re-load. Basically, you're spending your own money, as compared to unsecured cards that come with money already pre-loaded in it from the credit card company). However, you could still get approved for an unsecured credit card through referral. If you are someone who isn't too responsible with finances, your credit card doesn't have to be one of $1000 or $2000 limit. You can start with $500, make those purchases that you usually make with your ATM (debit) card and pay back every month. That's how you build a credit history. I started building my credit history a year ago and my score as of today is well in the 700s, with no late payments, utilization under 10%, no collections, very few credit inquiries etc. on my credit report. Basically, a good credit history indicates financial responsibility and being able to manage your finances maturely. Because of my good credit score so far, credit card companies and loan companies have been sending me offer letters inviting me to apply for their credit cards or loans for instant approval.

Credit scores range from 350 (bad borrower) to 850 (very dependable borrower). Scores in the 600 range are considered average and this is where many Americans fall into, scores in the 700 range are considered very good and you can get approved for just any loan with a score above 720, and those in the 800 range are considered exceptional (with every other thing being equal, this score takes several years and a mix of different credit account types to achieve). Any score below 600 is considered poor. As a first timer just building his credit history, your score would usually start from the 600s and depending on how well you use it, it could either go up or go down. Visit http://www.creditkarma.com regularly to check your score and report. Credit karma also helps you detect any fraudulent activity, not made by you, on your report, which you can always dispute to be taken off your report.

Do you have an SSN yet?

kennyrony:
Bro, how are you doing. longest time

warriboy21:
Do you have an SSN yet?
ya jus got ssn...i got a catering job oncampus....
maybe i need to call you...i stil got ur number though

phalanah:
Hi all,

I was denied student visa in August 2015 with a community college I-20. The school deferred my admission to Spring 2016 and issued a new I-20. However, one of the universities I applied to previously received my SAT late and are currently processing my application for Spring 2016 (they said decision w/in 2 weeks).

I want to schedule my visa interview now because the interview dates are filling up quickly (earliest available date Oct 26th). My question is can I go ahead and schedule my visa interview using the community college for now and change it to the 4-year university when I receive their admission decision? I have filled my DS-I60 but I haven't submitted yet...again because I am waiting for 4-year university decision.

You thoughts and advice are appreciated. Thanks as always....I pray God will grant us all our heart desires.

femi321:
Please house, i am applying to a school for grad studies and i am told to input my social security number..as an international student what should i do?

freshboi34:
Morning everyone, am currently studying electrical/electronics engineering in part5 doing my final exams..i need you guys to put me through procuring U.S visa for my masters program..would appreciate if ma enquiry it's being attended to....#firsttimeintheroom

slimmy05:
Please, be careful with the credit card thingy. From my own point of view. You don't need a credit card for now. Its not really that easy to keep up with and there are rules behind having one and making payment. I strongly advice not to indulge in one. This is not like the normal Terms, rules and conditions you just sign without reading. Read it carefully.

You have enough time to build your credit score when you start working and earning constant pay. The stress of school and other stuffs is enough for you to bother about. I am not discouraging you. This is just an advice. I will advice you stay off credit cards till you're done with school.

When you're done with school and secure a job. Then you can obtain one and put your bills on it (rent, light, internet, insurance), with this you'll get a good credit score cos that alone should amount to nothing less than $700 monthly.

amanze15:
Warriboy21 what's up, mid term exams dey sey na open book, na one deceive naija boi,

Mekurexx:
Hello house, Is it possible to send transcripts to WES by email from the University? or it has to be hard-copy

amanze15:
Warriboy21 what's up, mid term exams dey sey na open book, na one deceive naija boi,

godG:
Baba mi, I dey alright o. How your side?

stevecrun:
happney65 buzz me on watsapp..we need to talk

wiseman2392:
Good day house, can somebody direct me how I can register for GRE. I already created a GRE account, checked on the seat available and clicked on register. From here I can only see the test center and address with time selected. Nothing else, does it mean that there is another way to go or there is an error. Pls kindly put me thru. Thanks

Mekurexx:
Hello house, Is it possible to send transcripts to WES by email from the University? or it has to be hard-copy

freshboi34:
Morning everyone, am currently studying electrical/electronics engineering in part5 doing my final exams..i need you guys to put me through procuring U.S visa for my masters program..would appreciate if ma enquiry it's being attended to....#firsttimeintheroom