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Several years ago, I was once listed as an authorized user on one of my parent's American Express Blue Sky account; it was a revolving account. Anyway, my parent allowed the account to charge-off and it was closed. The account used to report to my file at the CRAs, but several years ago I disputed it as a "not mine" and it was removed; it no longer reports. I was wondering if this situation would have caused me to have been put on the Amex black list? I believe the charge-off happened about 8 years ago. As for another question, what type of baddies, if any, will result in automatic denials for any Amex card? Bankruptcy? Public Records?