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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. You'd probably have to contact Executive offices of GEMB to find out.. unless someone knows otherwise. Or if there was an attorney handling the probate get their name/number from your aunt and you can call the attorney and find out if they filed a claim and what happened to it. I think I would probably prefer to contact the Executive offices at GEMB. Would google be the best source for finding their contact info? I have found their Corporate Office HQ numbers (supposedly). Would that be who I should call? Yup... when the receptionist answers just tell her you are looking for info on how to find out if they filed a probate claim on a credit card account. They will (or should) transfer you to someone who can help. Hopefully they do not transfer you back down to Customer no service. If they do or suggest you call them, tell them you already did and they didn't know what you were talking about or couldn't look up the account # In the mean time is the CA on your reports? Have they sent you a dunning letter yet? The CA is not on my reports. And, no dunning letter yet. That's where I get lost on my next step. They called asking for my grandmother in the message. Not me. They seem to think she is the one who is still alive. So, I don't know if they are going to be sending me anything or not. Most likely they will of course. I just don't want to send them anything before I receive a letter in this case, because if they don't know where I am at the moment or don't know I am in even alive, I don't want to change that. Here's the thing, while they may call you at your current residence, however they may still send a dunning letter to her old address, then put it on your credit report (once she doesn't respond, since obviously she can't)and you're joint owner. I'm almost half tempted to have you send a letter to the CA stating that you received a VM for such and such, however the person they are looking for has been deceased since such and such date not call you at that # again. Anyone with further thoughts on the letter to the CA that's not on the OP's reports? Thanks beli. So I just received my second VM from them a few minutes ago. I saved both. I realized while listening to them again what exactly they say... "This message is for Loraine XXXXXX (my grandmother). If you are not Loraine XXXXX or other parties are listening to this message because it contains personal and private information you should disconnect this call. By continuing to listen to this message you acknowledge you are Loraine XXXXX. blah blah blah is a debt collector and a this is an attempt to collect a debt." Is this a violation pertaining to 3rd party disclosure? Especially since I am not Loraine. She is not alive after all. Yes, it's a violation to 3rd party disclosure. They can argue the fact that they left the "Please hang up if you are not yadda yadda yadda" protects them. However, think about it. It's an automated message. Generally speaking automated messages cannot tell if they are listening to VM or not. So they think by being smart if they leave something to the affect of if you continue to listen to this message... they are going to say they get out of 3rd party disclosure. However, I can e-mail my lawyer in the morning and see what she thinks but I can almost guarantee that she'll feel the same way. Awesome beli. Thanks for all of your help. I will just let them keep leaving messages all they want. I guess I should be grateful that I haven't needed one yet, but I wish I could say, " I can e-mail my lawyer...." Ironic thing about all of this is that I use to be able to say that because my Grandmother was a lawyer all of her life.
  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. You'd probably have to contact Executive offices of GEMB to find out.. unless someone knows otherwise. Or if there was an attorney handling the probate get their name/number from your aunt and you can call the attorney and find out if they filed a claim and what happened to it. I think I would probably prefer to contact the Executive offices at GEMB. Would google be the best source for finding their contact info? I have found their Corporate Office HQ numbers (supposedly). Would that be who I should call? Yup... when the receptionist answers just tell her you are looking for info on how to find out if they filed a probate claim on a credit card account. They will (or should) transfer you to someone who can help. Hopefully they do not transfer you back down to Customer no service. If they do or suggest you call them, tell them you already did and they didn't know what you were talking about or couldn't look up the account # In the mean time is the CA on your reports? Have they sent you a dunning letter yet? The CA is not on my reports. And, no dunning letter yet. That's where I get lost on my next step. They called asking for my grandmother in the message. Not me. They seem to think she is the one who is still alive. So, I don't know if they are going to be sending me anything or not. Most likely they will of course. I just don't want to send them anything before I receive a letter in this case, because if they don't know where I am at the moment or don't know I am in even alive, I don't want to change that. Here's the thing, while they may call you at your current residence, however they may still send a dunning letter to her old address, then put it on your credit report (once she doesn't respond, since obviously she can't)and you're joint owner. I'm almost half tempted to have you send a letter to the CA stating that you received a VM for such and such, however the person they are looking for has been deceased since such and such date not call you at that # again. Anyone with further thoughts on the letter to the CA that's not on the OP's reports? Thanks beli. So I just received my second VM from them a few minutes ago. I saved both. I realized while listening to them again what exactly they say... "This message is for Loraine XXXXXX (my grandmother). If you are not Loraine XXXXX or other parties are listening to this message because it contains personal and private information you should disconnect this call. By continuing to listen to this message you acknowledge you are Loraine XXXXX. blah blah blah is a debt collector and a this is an attempt to collect a debt." Is this a violation pertaining to 3rd party disclosure? Especially since I am not Loraine. She is not alive after all.
  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. You'd probably have to contact Executive offices of GEMB to find out.. unless someone knows otherwise. Or if there was an attorney handling the probate get their name/number from your aunt and you can call the attorney and find out if they filed a claim and what happened to it. I think I would probably prefer to contact the Executive offices at GEMB. Would google be the best source for finding their contact info? I have found their Corporate Office HQ numbers (supposedly). Would that be who I should call? Yup... when the receptionist answers just tell her you are looking for info on how to find out if they filed a probate claim on a credit card account. They will (or should) transfer you to someone who can help. Hopefully they do not transfer you back down to Customer no service. If they do or suggest you call them, tell them you already did and they didn't know what you were talking about or couldn't look up the account # In the mean time is the CA on your reports? Have they sent you a dunning letter yet? The CA is not on my reports. And, no dunning letter yet. That's where I get lost on my next step. They called asking for my grandmother in the message. Not me. They seem to think she is the one who is still alive. So, I don't know if they are going to be sending me anything or not. Most likely they will of course. I just don't want to send them anything before I receive a letter in this case, because if they don't know where I am at the moment or don't know I am in even alive, I don't want to change that.
  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. You'd probably have to contact Executive offices of GEMB to find out.. unless someone knows otherwise. Or if there was an attorney handling the probate get their name/number from your aunt and you can call the attorney and find out if they filed a claim and what happened to it. I think I would probably prefer to contact the Executive offices at GEMB. Would google be the best source for finding their contact info? I have found their Corporate Office HQ numbers (supposedly). Would that be who I should call?
  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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