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Hair By Paco

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  1. Does this mean that my credit score won't be impacted, but a creditor might take notice or that perhaps the company I transfer the balance to might be less likely to give me an increase? I'm just curious of the actual effect this will have on me. What are the possible negative effects this could have? Thank you.
  2. Hello. I was looking to transfer a balance from a high interest card to another one of my cards that is running a 0% promotion. My question is regarding any effect on utilization. The card with the promo has a lower limit than the other card. The transfer wouldn't max it out, but it would be about $5000 on an $8000 card versus a $25000 card. Is utlization measured across all accounts or does carrying a high balance on a single card have an impact?
  3. There is a very good chance that is what my Aunt did. Although she told me otherwise. I am sorry if it is a stupid question, but what exactly is a probate claim? I understand the very basic idea of probate, but want to make sure I am clear on the term before I go calling them and sound like an salamander. And if they have or haven't what would you suggest I do next? Thank you beli It's essentially a claim that gets filed with the attorney(or who ever is handling the probate for the estate once probate gets opened). It gets filed after they are notified of someone's death. Y
  4. There is a very good chance that is what my Aunt did. Although she told me otherwise. I am sorry if it is a stupid question, but what exactly is a probate claim? I understand the very basic idea of probate, but want to make sure I am clear on the term before I go calling them and sound like an salamander. And if they have or haven't what would you suggest I do next? Thank you beli It's essentially a claim that gets filed with the attorney(or who ever is handling the probate for the estate once probate gets opened). It gets filed after they are notified of someone's death. Y
  5. Haha. I was looking on my phone so every post looks ten pages long.
  6. Getting ready to do the same as OP. Is the reason for taking out the spaces and blank lines so that it is more work for the CRAs? Do you just mean the spaces between sections? Good luck tretre!
  7. There is a very good chance that is what my Aunt did. Although she told me otherwise. I am sorry if it is a stupid question, but what exactly is a probate claim? I understand the very basic idea of probate, but want to make sure I am clear on the term before I go calling them and sound like an salamander. And if they have or haven't what would you suggest I do next? Thank you beli It's essentially a claim that gets filed with the attorney(or who ever is handling the probate for the estate once probate gets opened). It gets filed after they are notified of someone's death. Y
  8. There is a very good chance that is what my Aunt did. Although she told me otherwise. I am sorry if it is a stupid question, but what exactly is a probate claim? I understand the very basic idea of probate, but want to make sure I am clear on the term before I go calling them and sound like an salamander. And if they have or haven't what would you suggest I do next? Thank you beli It's essentially a claim that gets filed with the attorney(or who ever is handling the probate for the estate once probate gets opened). It gets filed after they are notified of someone's death. Y
  9. There is a very good chance that is what my Aunt did. Although she told me otherwise. I am sorry if it is a stupid question, but what exactly is a probate claim? I understand the very basic idea of probate, but want to make sure I am clear on the term before I go calling them and sound like an salamander. And if they have or haven't what would you suggest I do next? Thank you beli
  10. Gonna try bumping one more time. Thanks again everyone. I know this is a strange one.
  11. Unfortunately, I know for a fact it was a joint account. I did in fact use the account. I honestly don't know about the probate. As far as I know all articles of the estate were transferred and what not. But I was not involved so I don't know if the creditor submitted a claim through probate. She was residing in CA at the time of death. Thank you for your time. As I said in the novel I posted above, I had planned on leaving everyone here alone for a while. Don't want to be a pest.
  12. Also one strange thing I noticed was on Experian it was reported "Charged off" for 3 months then "OK" suddenly the following month. Maybe that's normal. I don't know. Also on Transunion, where it is also reported, there are no status reports. But it does have the info about it aside from that. I just haven't seen any other companies report like this before. Thank you for your answer. I really appreciate it a lot
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