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  1. Should I cancel my Smart Credit premium subscription? I'm in Indiana if it makes any difference.
  2. OC paid, still pending a reply. No collections reporting. My HR dept where I work will not let me drop coverage on her without proof of new coverage. Her guardians refused to provide this to me, and they are actively using the insurance. I asked the Insurance Co. to send her patient profile for the past year. She was just in the hospital again this April. The Custody Decree says they are to seek insurance for her 'if available'. I'm having trouble interpreting the patient profile, but it looks like there was about 15k owed in 'coinsurance' and 'copays'. Total amount billed was appx 46k.
  3. I finally received the statement. It arrived in an envelope with the letterhead of a hospital in Louisiana. It looks like an invoice to my untrained eye, but it's not a medical bill. At the bottom it says: 02/11/14 STMT COLL EVT #1 SEQ #4 PRINTED below that it says: OTH.1 0.00 SP 50.00 It looks like they are saying I owe them $50. At the top of the letter it says "Guar <my social security number>". I take it this means I'm the "guarantor"? $50 is not much money, but I'm afraid that if I pay it then it would be an admission to owing the money...which could mea
  4. $75? How'd you pull that off? (no pun intended) Every time I go in for a tooth extraction it costs at least double that, but typically around $200 without insurance. Maybe I just look like a sucker.
  5. I am her stepfather, but have no type of custody (never have) unless there is some state or federal law that gives me some form of custody by way of marriage to her mother that I'm not aware of. I'm still waiting on a letter from the medical billing office that called. As you've advised I'm going to get any documentation I can. I do have a few paper statements from my insurance company showing what they have paid and what was not paid, but not all of them by any means.
  6. I apologize if I seem cold and uncaring, and I agree that this child does need continued medical coverage and medical care. She is still on my insurance, but now has insurance through her grandparents that she lives with. I plan to drop her from my health insurance during the next open enrollment. None of the contact I've had so far has been with any collection agencies, and so far my reports are clean. These debts are still being held by their respective healthcare organizations so far as I can tell. My wife found her Amended Custody Decree. For the time frame in question it states th
  7. I have two step-daughters and one of them is a sociopath (I will refer to her as 'Alice'. This is not her name.). My wife and I have custody of both girls starting in 2012 and they are covered under my insurance. We could no longer keep Alice under our care because she was threatening to kill my younger children. Alice's father took her, and a new custody document was drawn up: he takes custody of her, does not pay child support to my wife. We continue to cover Alice under my insurance, and her father is responsible for any medical bills beyond what insurance does not cover. Alice's father liv
  8. I wonder how this will affect the AMEX promotional offer?
  9. My wife and I went with a local CU and got our highest limit yet: $10k. She has a thin file and both of us are in the low 700s.
  10. This has been discussed in the past. Paying mortgage and/or utility bills with CCs for reward dollars/points. Are there any options now that are worth it? Do the credit card companies get upset with people about this? I've found a couple of sites that - for a fee - will pay your utility/mortgage for you if you pay them the amount due with your credit card. If this is a waste of time please let me know.
  11. My wife signed and NDA, but I did not. I hope this helps others that are scammed by TCN. We did a better business bureau dispute and it was resolved with TCN agreeing to pay off the loan. If my wife were to speak publicly about this, TCN could take legal action against her. Important: Your BBB dispute must be carefully worded. Put emphasis on the fact that you thought you were signing up for college courses with an accredited institution and then later found out that they are a publishing company. They cleverly hide this information in the contract. A State AG could probably rip them apart
  12. Exactly. I'm still not understanding the OPs problem (Not being difficult, I swear. I'm still having coffee and this often affects comprehension for me). You start every given day/week/month with cards with zero balances. You pick one that you havent' used in awhile, put gas on it this week so you have SOME utilization of SOME kind going on. Pay it off on payday. Use cash for everything else (cash has no interest so problem solved). Not sure what the problem is, unless OP is trying very hard to run every dollar thru cards to net as much rewards as possible, in which case put your recurring hou
  13. $7000 Just like you said, I didn't need to talk to anyone. The onlne version doesn't tell the CL.
  14. I am sitting here on pins and needles From the very beginning of my credit journey, the card I have always wanted was the Amex Blue Cash. I've been through 6 denials for this card in the past 2 years. And today I have been approved!!!! They sent me an approval email with a ref #, but didn't tell me the limit...and I can't set up the online account without the card # which will be mailed to me in 7-10 days. Is there any way to find out what the limit is without calling them? I am ecstatic.
  15. Some of you who are more financially savvy than I are amazed that I (or anybody) needs an application like this that costs $60 so that we live within our means. Most of you who are doing well without something like Mint or YNAB mentioned using a spreadsheet. A few years back I tried to do that. Maybe if you were sitting there with me helping me to figure out HOW to use the spreadsheet I would have succeeded. I was overcomplicating it and would introduce very simple math errors that threw the whole thing off. Simple things like how interest is calculated messed up my efforts....or coordinatin
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