SparkyinCA

My new mortgage took 2.5 months to post to all 3 CRA's after I closed escrow at the very end of October 2020.

Following up on this topic.. I went ahead and called Amex last week and requested the Plat card for my friend in Switzerland to be added as an AU. They had no problem with my request and said it is done all the time. They needed the name and passport number of my AU and told me when he receives the card (early next week) I could call in and they would activate the card to save him having to do the international call to activate the card. Amex was very friendly and helpful.

Appreciate everyone's suggestions. I'll have a chat with Amex when I know I am going to be able to travel again to see if this is possible. I can't be the only Amex cardholder that wants to add an AU that lives in another country that doesn't have an SSN.. Opening up bank accounts in CH is not something I want to do since I already have a Charles Schwab checking with free international ATM fees and don't want to be concerned about any red flags that having Swiss accounts might bring.

No SSN...

I want to add a close family friend as an Authorized User to my Amex Platinum Card (I live in California). I plan to spend 2 or 3 months a year there in the future once restrictions are lifted due to CV-19 as I'm retired now and this person can assist me in purchasing and renting things for me before I arrive (friends for the past 20 years, knows me well and I trust them completely). Does Amex allow this?

Got the message...Thx! I'm over it and glad I didn't waste time sitting on hold with the CU customer service. Ain't nobody got time for that.. I'd much prefer riding around in the Mercedes. It's an awesome car and thanks to many folks on CreditBoards, my great credit scores now allow me to drive such a beautiful car.

I bought a newer used car on May 18, 2018. The lender is SafeAmerica CU in Pleasanton, CA.. The new car loan posted to my credit reports in June 2018 to Experian and Equifax, but not to TransUnion. This has dinged my credit score on TU because it looks like I don't have an installment loan which hurts my FICO score now that my old car loan was paid off so I have no active installment loans. The CU did not update my payments either on EX or EQ for July that were made on time. Is there any way to get them to add my installment loan to TU and to update my payments with the others? It never occurred to me to ask the lender what credit bureaus do you post to?

Update: Met with the Estate attorney. Can't make a change without going through competency tests with Mom's doctor and attorney and going to court and don't want to put Mom through that. It's better to do the Lease/Sublease on the property (since it's a rental property) between my sister and I. My sister could "disclaim" or decline 1/2 the value of the property and the other half of the remainder going to me, but the figures don't work out to do that. Gifting the property back to me didn't work either due to the 40%+ gift tax she would have to pay to the IRS (shocking amount they would want!). I have the power to sell the property now since I have the POA, but that is not a good option either since we don't want to sell it. Very good meeting with the attorney and the attorney advised it was good to discuss before Mom passes. She did suggest meeting with a Real Estate attorney to possible come up with some other ways to work with my sister on the property. However, it is best if my sister meets with an R/E attorney herself to advise her since I can't comment on how this might affect other properties and assets she already has.

Can they? Sure. Is it binding? Not likely. And never discount that such an affidavit can be rescinded. Spend the money and get the modifications done CORRECTLY and consistent with the law in the applicable jurisdiction. Given that you assert this is a sizeable estate, the few hundred spent is a drop in the bucket. Why screw around? Like Chewbacca, it just don't make sense... I'm seeing the estate attorney that handles my Mom's Trust/Will this Thursday to discuss and come up with a plan how to proceed. I posted because I wasn't sure if it was a slam dunk situation where it's easy to change or if it requires 6 months of paperwork and going to court etc... It's better to ask now while my elderly Mom is still alive than to wait until after she has passed. I appreciate the insight CB members have on many different topics and I was curious what people might know and suggest while I was waiting. I'll post the outcome once I meet with the attorney. Worse case scenario is we just write up a sub-lease of the property going forward with my sister which she has no problem with. Estate planning is much easier when you don't have greedy relatives to complicate things so I feel very fortunate this will work out fine. Thanks for your insights, centex..I appreciate it

Can a beneficiary refuse an inheritance and defer the property to me instead (in this case my sister?)... What would happen then?

Definitely trying to avoid a contested Will. It is extremely unlikely this will be contested, but would still be a hassle and delay closing the estate. We have Plan B where I can sublease the property from my sister if things are not able to be changed while our mother is still alive. As long as we both claim the rental income from the property for taxes purposes, then the IRS should be ok with that. Just a lot of paperwork to set up, but doable. Thanks for your comments, centex!

Need some basic legal info (I already made an appointment with an Estate Attorney but the waiting is killing me so hoping some of you might know the answer). Here's the question: Can I make a change to my Mom's Will and Trust since I have power of attorney of all her business matters (as well as medical)? She recently had a stroke and has moderate dementia now and in very frail health. I'm also her full time caretaker and she lives with me. She was supposed to make a change to her Will and Trust this year to leave a property to me exclusively (it goes to my only sibling now). No one in the family will contest this (my sister is well aware of the situation, doesn't want the property, is very wealthy and has always wanted the property to go to me). I'm also the Trustee on the Trust (my sister is my backup for everything as well). My Mom's attorney shockingly died last year (a young estate attorney in her mid to late 40's) and was aware the only reason the property was designated to go to my sister was due to a 6 figure Federal tax that would have been triggered if I had inherited it up until this year. That is no longer the case, so I am able to inherit it now. We live in California. The property value is just over $1 mil.. Any insights appreciated!

Melanie - I've got a pair of brand new roller skates you've got a brand new key

Earworm of the day...

Any updates, JeffeVerde?