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Process Esay Essay

2274 words - 10 pages

It is fascinating to know how important it is for one to have a good credit score in the United States. For those of us that takes residing and excelling in this nation seriously, it is important to have a very good credit score. In fact, it is the key to our financial life. For example, having a good credit score will offer access to lower insurance rates and lower interest rates on credit cards, as well as access to loans. Interestingly, it also offers access to an afford security deposits on utilities, ability to get a phone contract with zero down payment, lower interest rates on home purchase and easier approval for rental apartment and houses. In fact, many high rewarding jobs will ...view middle of the document...

I was born and grew up in a nation that just like the United States had so many potentials but unlike the United states has woefully failed to live up to its potentials and fulfill its dreams. I’m talking about Nigeria – My fatherland. A nation often referred to as the giant of Africa. However, many years of corruption and embezzlement by high government officials has crippled her economy and drove her citizenry into this present chaos and underdevelopment both in human capital and technologies. But anyways, the story on my beloved country is one for the future. Now back to my discussion on how to improve your credit score.
For the first time in my life, I beheld a credit card. This was my second night after I came to live permanently in the US. The main benefit of a credit card to customer is its convenience. Simply put, a credit card is a plastic card, usually with a magnetic strip or an embedded microchip, connected to a person’s credit account used to buy goods and pay for services. It is usually issued by financial companies, giving the card holder an option to borrow funds, usually at point of sale. Credit cards charge interest and are primarily used for short term financing. The interest charged on a card, usually begins one month after a purchase has been made, and its borrowing limits are pre-set according to the individual’s credit rating. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.
The United States economy is built on credits. Financial institutions sees this as the mainstay of our economy: the ability of the people of this nation to borrow funds and judiciously utilize these funds to take care of their needs, wants and desires, and pay within a stipulated period of time. Usually, it is expected that a monthly payment will be made - of at least the minimum balance (in the case of credit cards). Recently, I discovered that most fortune 500 companies and other high paying jobs do not employ individuals with a bad credit. This has further fuelled my quest in search for a winning strategy on how to build a credit score. I found out some amazing things. So many of the steps are quite simple, but require great discipline, self-control on purchasing wants and patience, time and effort to build a good credit score.
It was astonishing to me when I walked up to a T- mobile store to get a contract on a brand new phone and Ipad, and was told by the sales associate that I do not qualify for service. My feet sank, my eyes became swollen and red and my body started shaking as if it was the end the world for me. I felt terribly embarrassed that, for the first time in my life I have been denied a something that I thought was my right to have. This anger and annoyance made me request for the reason why she has choose to humiliate me and denied me service. She explained to me that I do not...

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