Ma chahi yes mamala ma ali khabardar nai chue. K vhayo vhane, ma yeha auda (2002), 4-5 jana ali desh-khayara-sesh-vhayaka, nepali daju haru saga basna puge. Sabaie ko autai vhanai thiyo - vhai america basnue maan cha vhane, j garnue tara credit history chahi F#######cked up nagarnue.

Ani jaha jadaha pani credit score check garcha. teyo chahi ali pachi pachi nai thaha vho.

Suru suru ma ta dai haru le 8-10 otta credit card boke ko dekhayra, malie ni khub rahar lagthiyo. jaha jada pani, yeso wallet kholthiya, ani chani chani card le paymant garthiya. malie ni testai rahar lagyo. 4-5 varsa ko vitra ma mahile ne 20 otta jati banaya. credit history pani maintain nai gare, payment pani timema nai tirthiya. ma chahi k garthiya vhane, auta card apply garyo, aba teti khare 6 -12 months 0% APR dinthiyo, ani khali tehi use garyo, 4-5 mahina ma ph gardaie credit limit badayo. ani 1 varsa pachi arko apply garyo ani tehi matra chalayo.

herda herdai 25 otta jati thiyo hola aktaka, including crads from retail store like jcpenny, bestbuy, homedepot, firestone.....

ani aba tehi ta ho, university jana thale pachi paisa le ni pelna thaloye, ani kaam le ni. teti matra vhata, ma jen-ten gari maintain garthay hola, auta mori thi, tesli malie dukha paryo paisa sapati de vhani. aba afu saga paisa chaina, yehi card chala vhane ra 2 otta card diya ani payment pani timi nai tira vhane. 3,4 mahina samma ta thikai thiyo, ali pachi herya ta mori le 2-3 otta payment late gari rako raicha, tesmathi afu li aru card ma tira na huume humme vhai ra thiyo. credit score jhare ra 550 ma aayo. paro tatyo, paisa mage, di mori le tara ali kaam nai di. teha dekhi vhane - mutu deu, paisa deu samaya deu tara biswas navhakoe li credit card nadeu. huna ta ahile na deko haina. auta sarai biswase lo mitra li $10,000 ko card apply gardiya, ani usle payment pani gari sako.

credit ramrai hudai gayo. tara 2006 pachi 1 varsa 5 mahina kaam gariyana - tehi auta credit card bata $20,000 checking acoount ma trabsfer gare, i year 0 % apr ma, tara $ 99 chahi transfer tire.

feri kaam gariyo, graduation pachi, 4-5 mahina ma rin tire, credit build up hudaie gayo.

2008 tira over $100,000 ko total limit vhaya cha ghate, sabai card ma gare ra. teyo ni kasari thaha vhayo vhane gadi kinna gako, history check garya total $ 126,000 limit ani score chahi 740 re. auta maan le ta nepal vhagu ki jasto lagyo, sabaie paisa jhike ra. tara yehi base.

asti auta ramroe artcile padhe in MSN. ani credit pani check gare, tehi 740 dekhau cha, haina kina nabadheko jasto lagyo. ani MSN ko article jastai gare, 8 otta jati card nacel gare, ahile masaga 14-15 otta cha; sabaie chalue chue, ani paymnet ni time ma garchue. teso gare credit history ma report jancha hare. kunaie card ma 3 months jati activity vhaya na vhane , report credit bureo ma jadaie na hare. arkoe saal check garda 750 ta pakaie kate ko hunue parcha.

aba sano sujab yo mula ko - yedi america ma basne ho vhane, teyo 20-30 hajar ko credit le garda jindagi nabigara. You will end up paying lot more in long run........

aba haina thulaie cha $50,000 mathi vhane chahi natira, 7-8 varsa kura ani bistarai bistari banue...credit history..

la Jai Nepal...