₦airaland Forum

happney65:
bros,show us photo of u in class naa..make we see ur homies abi naaa

kennyrony:
Baba, how u dey. how that side na

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

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?

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

dubylhover:
seriouslystrike back to 24? strike back that is not even as good as homeland

RAKITIC:
my bro i don tire, after watching 24 every series i watch look substandard to me

bigfrancis21:
I explained it about 2 or 3 months ago on this forum but the previous thread before this one.

Do you remember reading any of those posts?

Walspring:
You and warriboy21 try big time no be small..

happney65:
Bros,How far naa?Una don get girlfriend for there?Btw,Nigerian Babes dey Una school?

kwenu:
hey house its been a while, i have brother who is not very intelligent but is willing to study in the USA. he says he cant sit for TOEFL reason because he has a low or average IQ. he has fears that he will not make a good score in the TOEFL exam, because he isnt brilliant/intelligent enough
currently he has only his NECO olevel result

please what do you advise for such a person?

should he go ahead and apply to a school without TOEFL bUT WHAT ABOUT the USA embassy in Nigeria will they see him as qualified for VISA.

what are his chances of getting a US visa.

Thankyou

zeezahbee:
but not all schools accept AACRAO.

how are you francis? thanks for the discover card issh. I dey enjoy the card and cash backs

udeyokay:
I want to sue world education services(WES). They have put my transcript under review for more than one month now. I have called them more than 20times, the foolish customer care representatives keep saying "they will do it today tomorow". I email them more than 100 times no response As I'm now I can't sleep well just for them to correct an error on my date of birth,my transcript was kept pending on review since.

happney65:
Bros,You deserve to carry one American Beauty enter bed tonite.Your Head dey there with your Comment..

zeezahbee:
not really. I rarely use my naija card.

well you can read it as credit card. it will still debit you.

halidaf:
Omooo that long?? And am here thinking it won't take more than 4weeks max as stated in an email I got.. Nawa o

zeezahbee:
if you are asking for help to pay for SAT, how do you intend to survive in USA ?? just asking

belloluddy:
Pls I have a serious concern about Arikair airlines/planes. As u all know that people will always manage in Nigeria, companies, individuals, etc. Can someone trust airkair planes that their instrument (planes) won't be managed before it departs an international take off/flight ? I hope u understand mypoint. We all know that American airlines, BA, Airfrance airlines will never manage their planes, but can we trust Nigeria owned airline, Arikair planes that the planes are in good condition before flying ? Also, their pilots ? U know an average company in nigeria will always employ a cheap labourer. Can Arikair be trusted in terms of a safety flight to NY, USA ?
Honest answers pls

halidaf:
Owfar warriboy.. How long did it take for dem to process your admission?

emperoracro:
Just checked the school bro, they accept only official transcript, and they also demand for English language tests

ksa2much:
On my way ... To the consulate ..... God go ahead of me .... House please pray for me .. God bless .. Coming back here .. Few hours Soon to share my success story ...... Thanks

sirRiddy:
Taa...make I hear
No robbery ko.
How Indiana ?

profojah:
…Hahaha.. Companies yapa for warri oo.. Chai see cool oil companies, see good roads., see how Tankers full everywhere,..The place fine pass asaba wella wella BUT no fine reach lagos... Even the runs-girls no dey fear say dem fit explode,.dem dey wait for pick up near 10,000litres of tankers full of petrol.

slimmy05:
even the robbery rate too makes it more commercial for criminals. I school for PH and I been run some shows for warri.