Justin4506

Thanks but could that restart collection activity? Again, it's after the SOL.

Can I be added to my girlfriends AMEX personal platinum card as an authorized user if I owe Amex $30k on an Amex platinum business? This happened 5 years ago and Amex stopped trying to collect over 3 years ago and nothing has shown on my credit (and my states SOL law has past). Thoughts?

I checked on my State's website to see if any judgements had been filed against me and they have not. It's now over 3 years so the SOL is past. It makes sense that Amex would see my social security number come through an application and cause some kind of problems. I guess I should just be happy they didn't sue me for this money and let it go without awakening the beast. That would have caused me to sink into a deeper hole instead of half way back to the top again

So if I wasn't a Personal Guarantor, then why did they call me for a year and try to collect? That's good news then...meaning they should look at me with a clean slate as a new applicant? Also, what's 'FR' that could happen to my girlfriend?

Thanks everyone! I don't have a business credit report I don't think. Business has been closed for years and was small. Good point about how they can trash my credit still even thought SOL is up...Never thought of that. Maybe ill just stay away like you said for 7 years (which is when trade lines are supposed to fall off your credit anyhow so I assume they couldn't add negative reporting that far out). I wonder if my girlfriend adds me to her Amex platinum as an authorized user if that will stir up trouble too

Thank you! Not sure how it was set up but my business name AND my name were both on the card and statement. It never went on my credit so I can only assume it was under the business? But I'm sure I would have had to be the co-signor. Is it possible Amex, in the midst of the economy crash, forgot to pursue me?

About 6 years ago I got an Amex platinum business card. For 2 years I charged 10k - 15k a month and paid in full. One month I charged 30k and them the mortgage industry crashed overnight and I lost my business! I never paid it. Amex tried to collect for a year and then one day I ne'er heard from them (it's been over 3 years!). Also, it was never reported to my credit report (I guess because it was a business card?). So where did Amex go and can they come after me still? It's been over 3 years (past my state's statute of limitations to sue). >>I have since rebuilt my life and want an Amex personal platinum card but afraid to apply! Thoughts??