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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
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  • Posts

    • All is good. I appreciate the help.   I would have thought DCU would have noticed this and realized it was a bad deal for it's customers.
    • There is one 120 day mortgage late remaining on two of my credit bureaus. I am trying to figure out the best approach to remove the late while best avoiding unintended consequences. Lates the current servicer stopped reporting for some unknown reason a while ago, could be added back.   Details:   1.   TL is open and is my current mortgage servicer.   2.   DOFD over 7 years ago and actual 120 day late remaining occurred 3 years ago.   3.   The 120 was the last late of a string of lates never brought current spanning four years and four servicers.   4.   All other servicer TL's and their lates in the string automatically deleted by all 3 bureaus at around 6.75 years after DOFD.   5.   Current servicer at some point prior to the auto deletion, apparently broke the chain of lates by only reporting the last late and not the other six prior lates during their servicing.        6.   When current servicer broke the chain, they apparently stopped reporting the DOFD . I just phone verified with both bureaus there is NO DOFD reported for the 120 late.     My initial approach with these lates was to just let them auto delete. I chose not to dispute these as the string was four years long and had closed servicers with old last reported dates. Any dispute I lost would likely have an updated last reported date. This would subsequently hammer my good fico scores. Unfortunately, my plan only partially worked. Approach #1:    Obtain a letter from servicer which states late has a DOFD 7+ years and forward letter to dispute with bureaus. This approach was suggested by a TU supervisor. I thought this seemed like the best approach until I found out today their is no DOFD being reported by servicer. I feel this approach has the lowest chance of unintended consequences as I only ask the servicer for a letter.    Approach #2:     Without the letter, file a dispute directly with the two bureaus challenging the late being past 7 years DOFD. This approach now seems good as well, considering the late originally occurred 7 years ago and 3 servicers ago. Current servicer may have hard time providing the DOFD within the 30 days or find it too much hassle to provide. I now think this approach is more likely to be successful but It also seems to carry more risk.   Approach #3:     Brilliant idea from Creditboards member?   The only reason I am hesitant with approach #2 is the reported 120 day late and the six unreported lates are all with my open current servicer. There is some debate over how the "never brought current" applies to strings of lates spanning into a open and now current account.
    • I created a thread in the General Discussion Forum for all things automotive.     I'm getting close to establishing a direction and will post updates over there.   OP, sorry for derailing your thread.  I want to reiterate how happy I am that you were able to get out of this awful deal.  As I said, best wishes on the next step!  
    • Looking online, it appears they are associated with Harland, which is one of the biggest check printers out there.  Had no desire to dig deeper into corporate profiles.    If an issue with Chex or EWR was going to get your account closed, it would already have happened.
    • As long as there are casinos and strip bars, cash is not going anywhere...   Admittedly, without poker, I would not have near the need for cash that I do in the present day...and this reminds me that I need to make sure my bank can handle a large withdrawal in hundred dollar bills- World Series is about to kick off.  Hege needs to watch out as I descend upon his stomping grounds LOL!

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