Hello Everyone for useful tips on visa application, living in the UK and other information visit part 1 of the thread

https://www.nairaland.com/4158866/living-uk-life-uk-immigrant#62102073

For questions on Studying in the UK, please refer to the UK student thread on the below link and try not to derail the thread with student enquiries


https://www.nairaland.com/6712649/uk-student-visa-tier-4#105017249.

Now let's go make some more memories 3years after the thread was created.

Modified

Added below link to provide a summary of common questions regarding student visa. Please read

https://www.nairaland.com/6719932/living-uk-life-immigrant-part-2#105186938

Let me welcome myself.

Registering my presence

Wow 3yrs don waka, and the important thing is filling address history no longer stressful.

Back then it seemed like 3yrs too far. Thank God for grace

Listening and watching

fatima04:
Wow 3yrs don waka, and the important thing is filling address history no longer stressful.

Back then it seemed like 3yrs too far. Thank God for grace

i pray I reach this level someday

Present sirs/mas

We are here

Tushqueen Reporting, lol

Thank you Justwise and fatima04. I was already losing interest in the other thread.

elisinho:


i pray I reach this level someday

It comes sooner than you expect oo. Just thinking about the stress back then with renting a house, getting phone credit etc and now Infact how time flies is an understatement

contra:
Thank you Justwise and fatima04. I was already losing interest in the other thread.

I know the feeling and the fact that some of those questions are either answered within the thread or on the student page. Hopefully we keep this new one alive

Entering with my Boeing 777 max

@Aphrodite007 @Justwise

What's the best credit card to use for building a very poor credit score?

My score has "entered well" due to a water bill I unknowingly owed since 2019.

I saw some ccs I can apply for on my experian page e.g. Capital one

Any advice?

Kind Regards.

Fati good to see you here again. I remember when you started the first one, it was slow in gaining momentum and see where we are at now.

Thanks @fatima04 for bringing us together. I didn’t even realize we already got to 700+ pages.

Lexusgs430
Omopapa
TheGuyFromHR
Mamatukwas
Rubyventures

New food don land oh!

As regards building credit score. I read online that paying utility bills don’t help but when you own or default it can affect it. Correct?

Only vaccinated members will be allowed in here

icon8:
Lexusgs430
Omopapa
TheGuyFromHR
Mamatukwas
Rubyventures

New food don land oh!

dustydee:
Fati good to see you here again. I remember when you started the first one, it was slow in gaining momentum and see where we are at now.

I tell you oo, it was really slow and thankfully picked up with loads of experience and ife changes. Thank you to the wonderful people always willing to share advise

My only wish was I knew about the whole provisional licence supersedes intl licence and apparently it was discussed on the thread and I missed it. That information might have saved a brother 10k direct debit gbese.

omopapa:
Only vaccinated members will be allowed in here

Awon ti naija governors, you ran away from enquiries on the old thread

mrcodebreaker:
As regards building credit score. I read online that paying utility bills don’t help but when you own or default it can affect it. Correct?

From my credit report summary, i believe paying all your utility bills on time really helps because nothing is hidden in this country oo. And if any default then CCJ, hence why its advisable you check it often for any major changes.

Credit building is a long term building exercise with lots of patience and diligence and within 1 to 2yrs one should be on the right track.

tshoboy:
Thanks @fatima04 for bringing us together. I didn’t even realize we already got to 700+ pages.

Thank you for keeping it going with comments and drama

I almost lost my mind and interest in Nairaland cuz of back to back repeat questions in part1…. Where is Lexusgs430

wallg123:
I almost lost my mind and interest in Nairaland cuz of back to back repeat questions in part1…. Where is Lexusgs430

I dey watch in 5G........

omopapa:
Only vaccinated members will be allowed in here

Obaseki don bite you......

�

AirBay:
@Aphrodite007 @Justwise

What's the best credit card to use for building a very poor credit score?

My score has "entered well" due to a water bill I unknowingly owed since 2019.

I saw some ccs I can apply for on my experian page e.g. Capital one

Any advice?

Kind Regards.

Go to Money Saving Expert - Credit Cards and Loans section. It will guide you as to which cards to apply for and you can even check your eligibility and chances of being accepted for different cards. Capital One often has low limits (not necessarily a bad thing) and very very high interest rates (a bad thing). See link below for MSE

https://www.moneysavingexpert.com/borrowing/?_ga=2.139892219.951649376.1629940320-1891191376.1629940320

https://www.moneysavingexpert.com/borrowing/?_ga=2.139892219.951649376.1629940320-1891191376.1629940320

mrcodebreaker:
As regards building credit score. I read online that paying utility bills don’t help but when you own or default it can affect it. Correct?

Somewhat true. One default which gets paid immediately will not affect your rating or be registered. It is when it gets turned over to debt collection agencies, so it gets registered against your credit file and often your address too if it's an owned property. So the defaults have to be sustained enough for the utility provider to sell it on to a debt collection agency

icon8:
Lexusgs430
Omopapa
TheGuyFromHR
Mamatukwas
Rubyventures

New food don land oh!

Ah, I see you guys had the right idea. Una do well, Fati and co, and thanks for the invite, icon8. Unfortunately the last thread had become overwhelmed, and it was extremely difficult to follow.

I'm sure the students will catch up with us here, so for those who eventually do:

- please read, read, read, research research, research and only ask targeted questions, biko. Leave out the stuff about career advice and what course to read in the UK (guidance counselling is up to you), or which airline to fly (situation is fluid and you know as much as everyone else does), where jobs are (use your intelligence, the rough rule is the bigger the city, the more the opportunities, but cheap costs of living generally go with fewer opportunities, just like everywhere in the whole wide world, so you can answer the Hull versus Teeside questions for yourselves), housing is difficult to get from outside the UK, when you come here, if you're looking for anything other than student accommodation for one, be prepared to pay rent for months upfront (coming from Nigeria where rent is paid annually, there should be no difficulty getting your mind around the concept), unless the money no dey (which shouldnt be the case if you followed the rules), the digital banks Monzo, Starling et al, are real FSCS-protected banks and your money is safe in them, use them as your first port of call when you arrive, etc., etc.

As for career paths, anybody can do anything you are hired to do, apply to anything you feel you can do, manage your expectations realistically and don't expect to get a job in the field in which you apparently get or have had a qualification. For part-time jobs, the usual care homes, or try Royal Mail (Angard Staffing - I think they should have started their Christmas casual recruitment about now), Amazon (pay is good these days, up to 12 quid or so), Reed or Blue Arrow, and of course word of mouth; for full-time jobs: Indeed.com, Glassdoor, Totaljobs, and the Guardian.com Jobs and similar entities, the supermarkets and fast-food jobs as usual (browse and apply online and try walk-ins to local branches), etc.

Again, read, read, read, and research, research, research. Try not to derail this new thread, and remember that it is in your own interests for threads like this to exist so you can come and glean knowledge when you need it. Thank you all as you do so.

AirBay:
@Aphrodite007 @Justwise

What's the best credit card to use for building a very poor credit score?

My score has "entered well" due to a water bill I unknowingly owed since 2019.

I saw some ccs I can apply for on my experian page e.g. Capital one

Any advice?

Kind Regards.

Try Vanquis card. A friend with really bad credit history tried it and was successful after trying loads and loads of other cc without success.

Do your DD first though before applying