nawa ooo.. we learn everyday, thanks..

bigtt76:
Good stuff. So even though you have the cash to pay off at once, form the habit of spending it through credits and loans just to build your score. For example using my own experience, instead of me using my debit card for regular shopping, I use my credit card and use my balance in my debit card to pay off my credit card. This way, I'm seen as having utilised credit facility and paying it off timely. Here in the youkay, credit and loans are a necessity even if you can afford to pay cash. Currys failed because no record of you having been given a credit or loan before and you paying back.

thanks Master, will read through

Lexusgs430:


May I introduce you to.......... 🧚💥💢💫💥💥


https://www.loqbox.com/en-gb

lol Master, teach me how to build the Credit report when i can't even get credit facilities... i don tire..

Lexusgs430:



Let's demystifying this credit score myth.........

You have two aspects of credit scoring - :

- CREDIT HISTORY
- CREDIT REPORT

Credit reports, is more important than credit history........

Your credit history was 999, but your credit report is 0........

Do a combination of both, but more emphasis on the latter...... 🤣😜

NB: You CANNOT build your CREDIT REPORT, without having credit facilities....... 👍🤣

thanks, i just checked my clearscore and i have 740/1000.. and it says it is Stable..

I don't do loans or debts as i always normally pay off once without any credit, but decided to use the Currys finance as a first-time.. and it failed..

bigtt76:
Your credit history >>>> your credit score. Credit score is only a prediction of your credit worthiness and not an actual reality of you being reliable to be afforded a loan facility, they (Bank or Currys) still have to confirm this.

Not having a loan or debt is not a good thing so to speak ....having them and paying regularly is better. Also, note that Currys (for example) may rely on other credit reports aside from Experian. I would suggest you sign up to Totally Money, Credit Karma or Clearscore to get the report from other CB.

All the best.

This credit score thing is funny...

My Experian score is 998/999, and i was still refused Currys financing service when they did a soft check.

I really don't understand why, even with over 3 years address and no loans or debts or anything..

Can anyone explain why it might have failed?

I'm asking because I hope this doesn't mean a hard credit check for a mortgage won't fail me?

it is less than 6months visit. .. thanks

bigtt76:
No need for Covid19 certificate but if you are staying more than 6 months in the UK, the you need tuberculosis certificate

dick riding

lol.. my goodness.. yet again, another emotions over logic and reality in this forum.. .

The first step to solving an issue is to first acknowledge that we have an issue at hand..

denying it or trying to be emotional will never be a good first step..

Have you ever asked why our race perform better when they leave Africa

Having natural resources (which Africa has) means not if the natural resources can't be transformed and managed to provide value.

We are decades (x5 or x10) from being able to compete unfortunately...

truth is bitter but we have to taste it to move forward

kwakudtraveller:

You are absolutely right and I get your point but this doesn’t always have to be the narrative. At some point we need to applaud the positives as well. The dick riding of the other race dey always annoy me sha. But yea, I agree with you!

Also, the white man is cutting the cheques because he sees the value we don’t see in ourselves.

you deserve cold beer bro!!!!!!!!!!!!!!!!!

sweet cold beer..

rinzylee:
I'm tired of these headless arguments .

If we are tired of UK, then leave to another country.

No one forced anybody to come here.

The day you took that visa, you signed up for any "shit".

We can cry and moan, it is their country.

If we had it better... ..... .... 1 pound won't be 995 naira today.



Find your dream and purpose and give it the best of chasing.



Abeg @justwise @Ticha @Hustla @Lexusgs430 ... my credit card landed last week with £3k limit. Fear dey catch me to use the card. Abeg should I be worried

i never add comments to this topic because a lot of statements are emotional and not data driven.. so no need

a lot of beer-parlor driven statements and arguments.. generalization is a scary thing.. people just come here and make all sorts of emotional statements..

the funny thing is Data will never lie .. will never take subjective bias.. Data isn't emotional either

You come to a country and want to tell them how to run their country

Even the most useless countries in the world have some form of immigration control to protect their citizens, economy and culture

Nigeria, with its red economical index scores and at one of its' lowest FDI moments still has immigration control.. our visa is also hard to get. i know about this personally..

We come from a country where one can't even do a simple task like voting in an election because the political leaders have said if you're not from a particular tribe, you will get killed or beaten if you appear at the polling booth ... common man.. and you're complaining about another country making laws protecting its own people?

Am i affected by the IHS increase or ILR being planned to be extended from 5years to 8years qualification? Yes i am..

But will i now use emotional arguments or beer-parlor talk about Immigrants contributing more to discuss this? No... when I know every country has the right to protect its citizens and control who comes in/goes out..


Lets focus.....

Peerielass:


Still a drop in the ocean compared to the number of white people working and paying taxes based on figures from the 2021 census.

try using incognito browser, and try off peak periods like Tuesday midnight.. never book on a weekend

Generally, price of tickets have been thru the roof.. good luck

Noworries11:
Please how person fit get cheap flight
What I am seeing no be small thing...
1.3M return

this will be hard for people who left any previous employer in an unhappy way..

thanks for letting us know.. especially those who have changed jobs multiple times.

giselle237:
u need to get this letter. You just simply ask your past employers pls.

arghh.. what happens if former employers don't send support letters ?

will employment letters from previous employer suffice?

giselle237:

Employment letters stating leave was compliant with the company policy and no unauthorized or unpaid leaves were taken

hi hi, please is this thing for real?

Home Office asking for payslips from even previous employers (if you've changed jobs) during ILR application?

I also hear about HO asking about letter stating the days you were on annual leave (something like that)

Please can anyone with ILR experience confirm?

Thanks..

LagosismyHome:


Your employer is very wicked. How are you supposed to survive and what if during ILR home office Start asking for complete 5 years of payslip. Then all these would have even for nothing

Speak to your employer ASAP and start looking for another COS

best comment today.. tired of all the arguments lol

i think I remember Banana, evaporated milk (the type wasn't specified) and one Kolaq product

Enjoyyyyy

BorisJohnson:
ABEG LETS LEAVE THIS MATTER.

Ehen.

On this thread previously, someone posted some formula that can be used if man wants to build mansion on another man’s daughter.

I can’t seem to find the post.

Please help a sister. I wan arrange that thing give my other 1/2 let him build mansion on me.
I cannot come and kee myself. I wan collect am hot hot.

you must be using a reminder

another question.. whats the ideal utilization for credit card usage? I see 25%, 30% and even 70% in my research

justwise:


That is what i do

and you pay off everything right? thanks

rayralph:


Direct debit.

- To avoid missing your payment due date

- DDs on your file is good for credit history

if one can do both, will Direct debit be used for paying only minimum amount?

then you use manual debit card to pay off huge payments?

CheesyTee:
I do both. But direct debit is better, sonyou dont forget to repay.

Hi Hi,

For the AMEX users here, pls what's the best way to make repayment ? do you use bank account (direct debit) or manually go online to pay via debit card?

increase in fake documents ke

Please dont tell me Nigerians do that?

rayralph:


With increase in wave of fake documents uploaded,

Ecctis will instruct you to send your documents over to them through your University ( sealed n stamped)

but if you say it, people will still complain that you're semi-bullying Or don't know the OP or Don't know his/her pocket, etc

People attack no matter what advise is given...

A lot of lessons are passed but people will start back and forth responses...

iyatrustee:


This is another message that needs to be passed to new migrants.

Many people will get their hands burnt in this early quest to drive in the UK.

i really don't understand the whole back & forth like you said anything wrong..

Leaving your country to come to a new country to live in with just 1month rent is as risky as it comes...

why don't we want to hear the truth? must the truth be coated with sugar? it is bitter truth..

a month is basically 30/31 days and another rent is due.. even if he started work, it is still a hard task paying all that rent and bills from 1st salary.. remember he has to settle in, etc which is another set of funds

Pick your lessons from the thread and learn..

justwise:


I don't know why some of you bothered to type all these long story, you do not travel to another country to live and work with just one month rent. Its a silly gamble which is likely to backfire as this case has proved

I really don't give toilet brush about how people decide to read and interpret my post, we can't run away from reality.

stressful.. thanks for confirming

Bourne007:
Unfortunately it's a requirement

hi hi, pls does a baby without a Nigerian passport require NIN?

The whole process is confusing as there is a new site https://immigration.gov.ng for the Nigerian passport application as the other one https://portal.immigration.gov.ng was stopped on the 7th of May 2023.

There is a mandatory NIN field for baby.. which is surprising.

I'm trying to renew my Nigerian passport and apply a fresh for baby

thanks for confirmation...

flight to London via Istanbul usually has only one stop..

nawa.. Turkey is a unique country.. asia and europe lol

Progressivegee:


No. One doesn't need a transit visa when laying over at instabul but if the flight has 2 stops in Turkey, one at Instabul and Ataturk, which is on the European side, then a transit visa will be required for that particular stop

did you have to register your card first? I intend to renew mine & apply for my child's passport and hopefully pick the same appointment date....

is that a realistic plan?

Iruobe1987:
I used my card to pay for daughter's renewal and it was successful.

does that mean if one is flying Turkish Air, one needs a transit visa to go via Istanbul to UK? even if one isn't leaving the airport?

Progressivegee:


You do not need a transit visa if you are laying over at casablanca. Transit visa is only required if you will be laying over at any of the EU countries' airport

thanks

Progressivegee:


You do not need a transit visa if you are laying over at casablanca. Transit visa is only required if you will be laying over at any of the EU countries' airport

Hi beautiful people...

Please does one need transit visa if one uses Air Maroc from Lagos to London, UK?

I assume one doesn't if the layover is spent at the airport right?

hopefully, paying for my child's application with my card will be possible.. they don't expect a child to have a bank card already

bigtt76:
Log on to the Nigeria immigration website and select UK as your processing country. You will redirected to Innovate1service website where you go ahead to fill out your forms and pay online. Ensure that the name on your debit/credit card matches the name on your passport. The process is straightforward and something you can do yourself.

you tried ooo.. that smells like a lot of moneyyyyyy

yea Owning is better, but people need to educate themselves so they're better prepared

0% deposit means the monthly mortgage payments will be higher right? hmmm

Lexusgs430:


After all said and done....... Rent money, is still DEAD money....... 🤣

Renovations is a continuous process (during covid, I gutted my whole kitchen)...... 2 months after, I gutted all my toilets and converted all my bathtubs to showers...... Last month, I gutted all my bedrooms....

The amount of equity I have accrued, if I was renting, that would be an impossibility....... 🙄🤣

Would you rather pay for survey, stamp duty, conveyancing (now we have lenders offering 0% deposit) or continually rent........ 😝