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Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 2) (1274254 Views)
Living In The Uk-life Of An Immigrant (part 3) / Living In Canada/Life As A Canadian Immigrant Part 2 / Living In The Uk/life As A UK Immigrant (2) (3) (4)
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Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 11:50am On Jan 28, 2022 |
Chreze: Long and short, to build credit score, you need to demonstrate the ability to properly manage credit..... Not unless monzo and revolut offers you a loan facility. ......... ![]() |
Re: Living In The Uk-life Of An Immigrant (part 2) by hadigun: 11:50am On Jan 28, 2022 |
Re: Living In The Uk-life Of An Immigrant (part 2) by mizGene(f): 11:53am On Jan 28, 2022 |
hadigun:Ok. You can take off your email now pls. |
Re: Living In The Uk-life Of An Immigrant (part 2) by Earthday: 12:01pm On Jan 28, 2022 |
![]() ![]() AirBay: |
Re: Living In The Uk-life Of An Immigrant (part 2) by Earthday: 12:07pm On Jan 28, 2022 |
Ok I’d give it a trial. Dollars wey I dey always cherish for 9ja Na bad eye I dey take look am inside my wallet. Life drama!! wonlasewonimi: |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 12:13pm On Jan 28, 2022 |
Earthday: Emefiele feels this same way ......... ![]() 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Chreze(m): 12:14pm On Jan 28, 2022 |
Lexusgs430: Bros tell me about bank of Scotland. Na watin de do me now. Monzo and Revolut made it easy for me to get large payment from crypto sales without wahala. To some of us, that’s bigger than loan. ![]() 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 12:20pm On Jan 28, 2022 |
Chreze: Bank of Scotland, natwest, HSBC, santander, Barclays etc etc....... Are all the same, nah packaging different....... ![]() |
Re: Living In The Uk-life Of An Immigrant (part 2) by Chreze(m): 12:22pm On Jan 28, 2022 |
Lexusgs430: Thanks boss. |
Re: Living In The Uk-life Of An Immigrant (part 2) by TheGuyFromHR: 12:38pm On Jan 28, 2022 |
Chreze: There are a lot of misconceptions about this credit concept. Firstly, no matter how many transactions you run from your bank account, including the much-talked about direct debit, it has not effect on your credit file. The only entity that sees how you manage your money in your bank account is your bank itself, the credit reference agencies are not given that information, so even if you pay all your bills and rent promptly and never owe a penny or have a million pounds in your account, it makes no difference to your credit file/so-called credit score. However, you could look into something called Credit Ladder which aims to correct the anomaly of people who are ordinarily good with managing their money having difficulty with accessing credit. I never used it so I can't speak to its utility, I went to my bank to get my first CC. What the CRAs are told is information about how you handle credit facilities given to you, and that is what shows on your credit file. So to manage credit and build a healthy credit file, you have to go and take out credit somewhere first. The reason why it is easier to get a credit card from the bank you use is because if you can get someone in the bank to look at your account, they can make a decision to approve you for a CC, like it used to be done in the old days when human beings actually ruled the world. These days computers do that work, and they can bounce anyone based on the pre-set criteria. The poster mentioned BOS as a bank that he walked into and saw someone to speak to. Quite a few banks have shut down many branches and refer you to the app or online to make applications for these things. 3 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 12:40pm On Jan 28, 2022 |
Amazoner01: You asked the question, nah the same you answer the question......... Download totally money app, review your credit history...... Totally money app, would also notify you when you can apply for this elusive debt card .......... ![]() Although, the beauties of section 75....... Simply priceless......... ![]() 6 Likes 3 Shares |
Re: Living In The Uk-life Of An Immigrant (part 2) by Chreze(m): 12:46pm On Jan 28, 2022 |
TheGuyFromHR: Thanks for the explanation. Some BOS are still opened here in Glasgow. I will visit them today and get better explanation. Also we will look into using the credit offered to my wife then. Maybe e fit don increase cos it’s over 6months and it’s a salary account. I will even ask her to check if she can get a credit card. We can be using it for groceries and small shopping, then pay back before the given time. Thanks. |
Re: Living In The Uk-life Of An Immigrant (part 2) by omopapa: 1:23pm On Jan 28, 2022 |
I sent you DM mizGene: 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by AirBay: 1:47pm On Jan 28, 2022 |
Why is my credit score so different on 4 websites.. the gap is just too much.. experian with the highest Clearscore Creditkarma Moneysavingsclub Experian |
Re: Living In The Uk-life Of An Immigrant (part 2) by omopapa: 2:26pm On Jan 28, 2022 |
Check Equifax and compare with the rest. Experian is the most trusted from the list above IMO AirBay: 4 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 2) by mizGene(f): 2:37pm On Jan 28, 2022 |
omopapa:Responded. |
Re: Living In The Uk-life Of An Immigrant (part 2) by Peerielass: 3:25pm On Jan 28, 2022 |
Lexusgs430: RBS is totally different from Bank of Scotland. BOS is owned by the Lloyds group. |
Re: Living In The Uk-life Of An Immigrant (part 2) by mex551(m): 3:34pm On Jan 28, 2022 |
omopapa:pardon my ignorance, why are the above not working. Which one is the best to get in relation to building credit score or history |
Re: Living In The Uk-life Of An Immigrant (part 2) by AirBay: 3:38pm On Jan 28, 2022 |
omopapa: Alright. Will do |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 3:42pm On Jan 28, 2022 |
Peerielass: Wahala plenty for the Scottish........... ![]() 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 3:44pm On Jan 28, 2022 |
mex551: Do they offer contract deals or just PAYG ........ If contract deals is offered, it builds your credit score...... |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lindakam: 4:21pm On Jan 28, 2022 |
Apt! Lexusgs430: |
Re: Living In The Uk-life Of An Immigrant (part 2) by Futureukstudent: 5:06pm On Jan 28, 2022 |
marylandcakes:oh ok… thank you, I get now |
Re: Living In The Uk-life Of An Immigrant (part 2) by Amazoner01: 5:28pm On Jan 28, 2022 |
Lexusgs430:You so funny bro �. Thanks for always adding a bit of humor. 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Joyousgem: 5:36pm On Jan 28, 2022 |
Chreze: Bank of Scotland is part of the Lloyd's banking group, which also owns Halifax. They are a good bank. We use BOS for business banking and also have kids savings accounts with Halifax. The UK government owns the now called (natwest banking group), used to be RBS banking group till about a year ago. Royal Bank of Scotland (RBS) is different from Bank of Scotland. (BOS). I also bank personally with RBS. That said, they both mint Scottish pound sterling as well as Clydesdale bank. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by missb50: 6:40pm On Jan 28, 2022 |
Lexusgs430: This seems to be working o... fingers crossed! |
Re: Living In The Uk-life Of An Immigrant (part 2) by omopapa: 6:42pm On Jan 28, 2022 |
Because they operate virtual network business model unlike the likes of EE, Tmobile, O2, 3 mex551: |
Re: Living In The Uk-life Of An Immigrant (part 2) by Akorkor(f): 7:27pm On Jan 28, 2022 |
Good evening house, Trust your day is going well. Please where is the best place to get value for money for exchange from dollar to pounds? Nigeria or Heathrow airport? Scotland mama and papa, New immigrant alert. Thank you 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by dupyshoo: 7:29pm On Jan 28, 2022 |
Nigeria!!! Someone just complained of the difficulty of getting good rate in UK. Check this page or previous for the post. Akorkor: 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Googledrive12: 7:31pm On Jan 28, 2022 |
I need small Naira 500 pounds worth. Omopapa mamatukwas show your faces. ![]() |
Re: Living In The Uk-life Of An Immigrant (part 2) by omopapa: 7:40pm On Jan 28, 2022 |
Please come to DM before landlord pursue us Googledrive12: |
Re: Living In The Uk-life Of An Immigrant (part 2) by Akorkor(f): 8:22pm On Jan 28, 2022 |
dupyshoo:I am asking because I read in part 1 of this thread that Heathrow is the best. Maybe things have changed then. Thanks for your input |
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Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 7 / General Australian Student Visa Enquiries Part 3 / Canadian Express Entry/Federal Skilled Workers Program-Connect Here Part 3
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