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  1. So how do I remove it. He's getting mail for me now through that address. My opt out apparently doesn't work across addresses somehow... I could forward the mail from a PO perspective, but really doesn't address the issue.
  2. I'm on my dads cards as an AU. Unfortunately those cards utilize his physical address which is in a different state. Now that address is showing up as mine on my credit reports. Is it typical for this to happen and how difficult would it be for me to get it off of there since it is tied to his cards.
  3. https://truthout.org/articles/federal-plan-would-update-overdue-bill-collection-methods/
  4. https://www.forbes.com/sites/juliewalmsley/2019/05/29/uber-drivers-without-credit-can-now-lease-used-cars-for-0-down-and-185-a-week/
  5. My 14 year old has a debit card attached to his bank accounts at USAA that I transfer money into as-needed either from his savings or mine. I don't think I'd give my teen a credit card.. you are braver than I
  6. Having had clearances in the past myself, this is a bad idea to add a card with a concerning utilization limit. Let him build his own credit by starting with a secured card if no other options are available. Once in the military, he can get a card with NFCU or USAA - both are more likely to give better credit than you think to a new person in the military.
  7. Yes, I am signatory now on the bank accounts (with survivorship). I'll check into the living trust recommendation. Thanks!
  8. These knuckleheads keep calling me on a business line. They have been told to not contact me by the number they are calling. Every time I call the # they provided for callback, I am given a different collection company name. Online shows the same thing... 866-288-4342 is the callback number provided, shows up on my cell as 412-785-1536. Anyone know who they are so I can send them a do not contact me / pound sand letter? All of my debts are past SOL in PA. I would appreciate them to not call me at work for "personal matters".
  9. Unofficially I was acting as Executrix via my dad's POA. There was never a letters testamentary issued - we were told we didn't need to do so, again possible "bad advice". No notices were placed about contact information, only her obituary. Not to mention they are cheaper to obtain when the person first passes at the funeral home than they are to get them the 2nd time. I think I paid $20 for the first copy and $5.00 for each after that the first time around. I was told they would be $20 each after that if I had to request them from the state.
  10. I am AU on all of his credit cards, not co-signed - so when that time comes, I'm not responsible for any of it - but I can use the cards to buy him whatever he needs. Not to mention it's a nice boost to my own CR since his scores are way better than mine now thanks to CB! I am on his bank accounts, with survivorship - so I can use the funds in the account to pay bills and the money will come to me after death. I'm researching whether or not to add myself to the deed of the house. Everything comes to me in the will - so I'm not sure if this is important to do to reduce the probate process when he passes. Initially I couldn't put my name on the house, because of my kids SSI. If I own more than one property, we loose the ability to stay on SSI for their medication each month. This is still the case, but at least in PA, they would roll over to Medical Assistance so this isn't as big of an issue as I had thought initially. He still doesn't own anything of value other than the house and truck (now officially in his name). He still watches TV on a CRT style TV
  11. One of the hospitals I spoke with to notify them of her death said something similar. That if there is no estate they didn't need to be notified - they didn't even ask me for a copy of the death cert, although I had assumed because it was the same hospital system they wouldn't need it since she died in that system.
  12. I'm in PA currently, so I'm not familiar with TX code - we were told initially it would just go to my father if there was anything of value, but since she owned nothing other than the truck - then nothing needed to be done. Now for my dad, I have gotten a will completed so that when he passes, nothing is contested and it all comes to me (only child) to make this process easier since there will be an estate in that situation.
  13. There's no assets. The truck is in my dad's name now and is only worth $1k (85 Chevy with 300,000 miles). Like I said before - if they want that, they can have it She had no income and was a stay at home mom since I was little. She owned no property or really anything. They lost their house a few years before in forclosure which she left pretty much everything behind. The house they moved into was my grandmothers although in my dad's name (not her name). which I've been told is protected currently. State is Texas. I have all the death certificates I need still and can mail them. I got 20 expecting to have to contact a lot more than we did. Initially we may have been given bad information to wait it out considering we were trying to collect all of the bills to determine if we could sue for medical malpractice. The lawyer we consulted with told us that we had a case in regards to her death, but in the great state of Texas, that we were looking at an uphill battle - as the doctors there had a lot of protections and that the lawyers generally wouldn't even look at the case unless it made them a good amount of money and her debt from death was over $250k. There is no estate from what we were told and that my dad could handle any of the requests that came in. I got POA for my dad on everything (real estate, finances, etc) and was acting in place of my dad to take care of everything to make it easier on him. I buried her, I notified the hospitals of her death (even though she died in the same hospital system, they didn't see anything that told them that). I changed all the utilities to my dad. Beyond that, we still continued to get bills and still do that say they will report to the CRA's unless paid. I think some of them got the idea without my intervention from trying to insert on her credit report. It's been about 2.5 years at this point since her death. I was hoping to just wait out SOL on collecting in Texas. So far only one bill has come addressed to the estate. I assume that no one has noticed her credit reports don't exist, or haven't tried to insert - I did notify the 3 CRA's and SS of her passing.
  14. For giggles, I decided to try some other CLI's.. I'm not confident in my credit scores yet, so I don't want to push it - but I got Lowes $300 - $1000 Ebay MC - Denied CLI from $700 to $1500 NFCU $2700 - $3500
  15. I've been getting toy cards over the past 2 years, which I accepted as fate since I burned most of the major banks 5 years back when my kids were diagnosed with progressive medical issues... I burned them all for around 70k in total. It was either pay my credit card debt, or pay for their therapy and meds out of pocket. While patiently waiting, I worked on building my dad's credit instead. He's gotten some great cards in the past week, of which I just added myself as AU over the past few days. Magically an "invite to apply" for home depot showed up today in my mailbox. Normally I just get the pre-screened junk mail, but this was different. I decided to go for it, and got instant $3k approval. Last score update had me roughly at 670 across the board for all 3 CRA's in case anyone is interested. I'm just happy to finally see something that isn't a "toy" limit in my books get approved. I burned Citi for 6k or 7k 5 years ago. Looks like I've been forgiven. Hopefully the other larger banks start to forgive as well. Thanks again CB!

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