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Credit Reports, Collections, Credit Cards and related discussion

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  1. Credit News

    Credit-related news and articles

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  2. Advanced Credit Topics

    Advanced credit topics such as high-value credit limits, rewards cards and strategies for maximizing rewards

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  2. credit card spreadsheet

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  3. Welcome New Members!

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  5. CB list of lawyers

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  8. AmEx Plat Authorized User

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  • Our picks

    • My mother passed away nearly 2 years ago. She did not own anything in her name, and there was no money in savings (joint with my dad) at the time of her passing.... but they lived in Texas (a community property state) and the house is paid in full.
       
      The house is solely in my dads name. That is the only property "they" owned.
       
      Her medical bills were quite high and were were initially told they cannot do much as there wasn't an estate. Now tge bills are being addressed to my mothers estate via my dads name.
       
      I know advice given here isn't legal.. But I would appreciate feedback from anyone who has been in this situation... Or advice that we should seek out an attorney.
       
      Can they force a sale or attach to the house at all in a community property state such as Texas or is the house not touchable. 
       
      TIA CB!
       
      • 14 replies
    • Hi everyone I’m new to this site! I have a question about an account I saw on my credit report - it’s an old car lease back in 2006 that’s been paid for years but upon reviewing my report it noticed that it still shows open! Should I contact Transunion and have them close it or should I just leave it - there are no late payments but it isn’t showing paid as agreed! 
      • 7 replies
    • https://www.bostonglobe.com/business/2017/02/01/robocalls-next-washington-agenda/rAm70apnwKTbjZ48pk7kbO/story.html
      • 10 replies
    • I started to fill in a cc application online and it asked my employment status with the choices of 1. Employed 2. Unemployed 3. Retired 4. Self Employed.  I am on SSD so I have income for now.  Is this considered unemployed and will that hurt my chances of being accepted?  
      • 10 replies
    • fixed up to work with OO courtesy of taylortr.
      CCCS2008.ods
      CCCS2008.ods
      • 67 replies
  • Posts

    • Amazing a 72 month note, I am guessing at double digit interest rate wasn't enough, they have to gouge you for another $2800 for GAP insurance...unreal.   I have never heard of GAP coverage having a ceiling, unless maybe you were financing over 100% of the msrp/nada value and the policy only covered up to 100% of the value?   Either way, for future reference, you can probably get it from your insurance company for a hell of a lot cheaper (I say probably because I am not sure if all carriers offer it).  Plus once you have reached a point where the equity>loan you can just drop the coverage...much easier than trying to get a prorated refund from the initial insurer.  Plus you get an auto insurance renewal every 6/12 months so it is another reminder to see if it is worth carrying the coverage. 
    • Financed (through your favorite place, enn eff see you), and yes BMW does include GAP on their leases.  Having leased 6 of them, I am sure of this.
    • Because you are issued an Optima card in the Oasis program...
    • As much as I would like to think we could get there, I don't think we will ever get to a truly cashless society, at least not in my lifetime, but you never know.  I would be willing to bet someone 40 years ago said we would never be able to get rid of payphones, but those are almost non-existent at this point.
    • In 2001 there was no 4G LTE or any decent smart phones. We still had some non digital coverage, 1X or EV-DO on Verizon and 2G/3G on AT&T and T-Mobile. $19 per month with International coverage is a great deal. Some folks spend $90+ for unlimited data.

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