No. An Estate is not a natural person by any definition. However, there may be lenders willing to lend to an estate, or using the estate as collateral and a person as a personal garauntee.
In order to obtain a bad credit loan a person has to have a credit score is 620 anything below that would be considered high risk.
To obtain a credit report for a deceased individual, you need to request it from the credit reporting agencies by providing the necessary documentation, such as a death certificate and proof of your authority to act on behalf of the deceased person's estate.
A person with bad credit can still obtain credit cards in some cases. However, they'll have to settle for secured cards from companies like Capital One and Bank of America.
Estate tax credit has to do with the amount of property that is taxable from a deceased person, and/or with any other possible transference of property.
The estate pays. If nothing in the estate they do not get paid.
A person may wish to obtain a no credit history credit card if they have experienced financially difficulties in the past and therefore are concerned that they may have a poor credit history.
A person can obtain a free credit history check from several different places. Some of these places include Credit Karma, Credit Sesame, and Experian.
Generally a person's estate is responsible for the decedent's debts. If there is no estate the creditors are out of luck. They should be notified of the death.
The person's estate pays for all outstanding debts.
650 and above is considered very good. 620-650 is considered good (average FICO score) in some cases there might be a problem with large loans. 620 and below is considered a credit risk, that does not necessarily mean the person cannot obtain credit. It means it is likely the amount and terms of credit would differ significantly than offers made to someone with a higher score.
Currently I am dealing with estate issues and credit card debts. I am not a lawyer but after talking to many professionals, it seems to me that if their is no estate and no joint credit card holders then the card company will have to write it off.....
After a person files bankruptcy, one must raise their credit score high enough to obtain a credit card. Once this is done, the process is simple and all a person must do is to fill out the normal paperwork.