My son's name is Boone and I've not heard of any others until now, except for an author's pen name I saw in a bookstore.

Also you can piggie back off someone with established credit if you can find someone who will allow you to be an authorized user on a card.

That way, it is all my accounts, or at least accounts I have signing authority over.

If I have a discussion with a seller that says there is an existing mortgage, I will ask them to sign an "Authorization to Release" which allows me to contact their lender directly for a pay-off.  

These were popular for decades, no more, there are no advantages and still more  disadvantages, like insurance coverage, loss payee collections, authority of a buyer to conduct official business, like building permits. 

Jim RohnRead more at http://www.brainyquote.com/quotes/authors/j/jim_ro...

Obtained a credit increase on a credit card they obtained by decreasing the credit balance on an existing card I had with that bank I never authorized this.

I was involved with a condo owner and attended the HOA meeting discussing the matter, the board had to authorize funds for the work.Next issue I'm aware of was a small community, mostly MHs but a few houses, the developer was forcing billings on rentals, this hit the newspaper here and TV, he was not licensed as a utility and fined.

Delinquent real estate taxes (taxes past due by more than 60 days) can also be included in the new loan amount, but if they are, an escrow account must be established, subject to applicable law or regulation;paying off any outstanding subordinate mortgage liens of any age;taking equity out of the subject property that may be used for any purpose;financing a short-term refinance mortgage loan that combines a first mortgage and a non-purchase-money subordinate mortgage into a new first mortgage or a refinance of the short-term refinance loan within six months.The article author may have been referring to the Delayed Financing Exception:Delayed Financing ExceptionBorrowers who purchased the subject property within the past six months (measured from the date on which the property was purchased to the disbursement date of the new mortgage loan) are eligible for a cash-out refinance if all of the following requirements are met. […]The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan (subject to the maximum LTV/CLTV/HCLTV ratios for the cash-out transaction based on the current appraised value).

Can this only happen if Full Authority is granted to the Deceased individual's Personal Representative?