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So my mom is really sharp on her good days, and my dad just goes along with whatever she says. I don't think I'd successfully get conservatorship over their money even if I could pay all the legal fees. I don't think it's necessary either at least not yet. I'm looking into an income manager account at Edward Jones and refilling a pre-paid Visa for her every week with an allowance and begin saving the rest in an emergency fund essentially just like a representative payee. Is it difficult to become a rep payee for SS benefits? I'm already DPOA. Has it made life easier for everyone? Did it cause tension between you and a loved one? Does it prevent them from opening new credit accounts? Tell me basically everything about your process and result of becoming a rep payee.

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Freezing credit reports will not completely prevent lines of credit, it will prevent most.  Freezing credit reports does exactly that.  But there's no law or other requirement that a creditor look at a credit report before extending credit.  I've gotten credit cards in the past with no credit pull.  Sometimes a bank with which you have a long term existing relationship with will not bother.  Other examples are lenders that cater to people with little or no credit history, young people starting out, that also will not do a credit pull since there is nothing to pull.

Don't get me wrong, freezing credit is a good thing in general.  Mine has been frozen for more than a decade, but it's not a air tight solution.  Also, be aware that their are more than the 3 big credit bureaus most people think of.  The last time I checked their are 5 widely used ones.
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How do you freeze their credit as a DPOA?
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Rep payee does not prevent opening new credit accounts.freezing their credit at each of the credit bureaus is the only way and parents can revoke that if competent.
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