stimpy45 Posted October 20, 2013 Share Posted October 20, 2013 still on the amex bl, iib in 1999, still try every now and then, but truthfully, don't need them, Quote Link to comment Share on other sites More sharing options...
chugs102 Posted October 20, 2013 Share Posted October 20, 2013 Tested AMEX a few days ago. Still blacklisted at 9.5 years Quote Link to comment Share on other sites More sharing options...
stevemus Posted October 20, 2013 Share Posted October 20, 2013 Took a shot 2 weeks ago for the Delta Gold Card and was approved for 10k, then 5 days later approved for the BlueSky 10k. Both backdated to 1983 after a phone call, which will triple my 2.5yr AAOA. Stopped paying my Amex 10 years ago but they never took me to court. I unfroze EX for the app; EX shows 1 50k judgment from 6 years ago, 12 cards with 4 @20k and rest 5-18k, no other bads. Amex score with the card paperwork, I think said FICO, was 704. My head is still spinning from this! Quote Link to comment Share on other sites More sharing options...
Occam Posted October 20, 2013 Share Posted October 20, 2013 Took a shot 2 weeks ago for the Delta Gold Card and was approved for 10k, then 5 days later approved for the BlueSky 10k. Both backdated to 1983 after a phone call, which will triple my 2.5yr AAOA. Stopped paying my Amex 10 years ago but they never took me to court. I unfroze EX for the app; EX shows 1 50k judgment from 6 years ago, 12 cards with 4 @20k and rest 5-18k, no other bads. Amex score with the card paperwork, I think said FICO, was 704. My head is still spinning from this! Sweet! Quote Link to comment Share on other sites More sharing options...
CTSoxFan Posted October 20, 2013 Share Posted October 20, 2013 Tested AMEX a few days ago. Still blacklisted at 9.5 years Same here. Quote Link to comment Share on other sites More sharing options...
BobWang Posted October 20, 2013 Author Share Posted October 20, 2013 Amex does not fool around, I owed them 8,000, could not pay because of job loss, but now back to work. Long story short they sued me and were going to take me to court, 2 days before, my attorney made settlement with them for 70% over 6 months, which I had to borrow from family. Out of the 24 accounts I have settled so far, they have been the worst to deal with. I have 7 more to go, and my life will be so much better. Quote Link to comment Share on other sites More sharing options...
GonnaGetEm Posted October 21, 2013 Share Posted October 21, 2013 (edited) Slightly different scenario for me with Amex, but perhaps this thread can help me out (or I can help it out) : I was F/R'd by Amex around March 2010. I never supplied the tax form required and they closed my lines. I tried to apply again sometime in 2012 but got a 10-day notice online followed by a letter in the mail that contained a conditional denial along with another tax form for me to fill out that might change their mind (which is why I said "conditional"). I did not return that one either. Now I would like, once again, to try for an Amex but am hesitant to try. How long will they keep up this tax form thing, indefinitely until I supply or or stop applying? (BTW, current EX Fico from MyFico.com is 736, TU is 724, and EQ is 714 ) Edited October 21, 2013 by GonnaGetEm Quote Link to comment Share on other sites More sharing options...
inthematrix Posted October 21, 2013 Share Posted October 21, 2013 Not to get all up in your Koolaid, but is there a reason you refuse to give them the tax forms or is it an issue of principle? Quote Link to comment Share on other sites More sharing options...
GonnaGetEm Posted October 21, 2013 Share Posted October 21, 2013 (edited) They F/R'd me because I was the first Wangite AU, and I feel hassled unnecessarily. Principle. Edited to add: They wouldn't even backdate, what nonsense is that compared to EVERYONE else?? hrumph! Edited October 21, 2013 by GonnaGetEm Quote Link to comment Share on other sites More sharing options...
BobWang Posted October 21, 2013 Author Share Posted October 21, 2013 My little girl was also F/R'd. I told her not to comply because at that time she was in grad school, and her income had dropped substantially from her previous AmEx apps. Last year, I had her re-apply for the Gold Delta AmEx, she was working full-time again, and AmEx didn't request another 4506-T. However, just like me, her Gold Delta AmEx was locked right after she got it. We both had a BUNCH of old, closed AmExes. Apparentally, because those were closed by AmEx, with negative notations, somebody had to go to all those accounts, and manually remove the negative notations before a new card would be un-locked. A refersher for newcomers, AmEx closed ALL my AmEx accounts, because I couldn't produce physical SSN cards for every single one of my dozen CB AUs. Quote Link to comment Share on other sites More sharing options...
BobWang Posted October 21, 2013 Author Share Posted October 21, 2013 BTW, GGE, you're not on an AmEx "Blacklist" You MAY have to supply a 4506-T if you re-apply again. But, you may not. Quote Link to comment Share on other sites More sharing options...
BobWang Posted October 21, 2013 Author Share Posted October 21, 2013 I guess I could try to add GGE to my Gold Delta AmEx and see what happens. Quote Link to comment Share on other sites More sharing options...
Occam Posted October 21, 2013 Share Posted October 21, 2013 I guess I could try to add GGE to my Gold Delta AmEx and see what happens. It's always fun to give the bear a little poke. Quote Link to comment Share on other sites More sharing options...
BobWang Posted October 21, 2013 Author Share Posted October 21, 2013 Quote Link to comment Share on other sites More sharing options...
GonnaGetEm Posted October 21, 2013 Share Posted October 21, 2013 Thanks BW! Funny thing is, you HAD a copy of MY soc. sec card. oh well. Perhaps I will apply yet again now that they're sending me better offers in the mail. The only cards I want for a good long while now are going to be ones that don't hurt my AAOA, but that is a toss-up in this situation for me, unlike most with Amexes, due to them not backdating mine. Quote Link to comment Share on other sites More sharing options...
BobWang Posted October 21, 2013 Author Share Posted October 21, 2013 GGE, I'd go ahead and apply for an AmEx now, to at least cement in a 2013 Member Year, instead of 2014. Once you get your own, you can always mention the 2010 AU account you had, and hopefully get that D* Quote Link to comment Share on other sites More sharing options...
BobWang Posted October 21, 2013 Author Share Posted October 21, 2013 GGE was the 1st BWAUP member: http://creditboards.com/forums/index.php?showtopic=437867 Quote Link to comment Share on other sites More sharing options...
GonnaGetEm Posted October 21, 2013 Share Posted October 21, 2013 Thanks BW. I did have my own dated 2010, so hopefully that date will stick regardless of if 1983 ever catches on or not for me. (Man, that was a good year. ) Quote Link to comment Share on other sites More sharing options...
GonnaGetEm Posted October 21, 2013 Share Posted October 21, 2013 (edited) GGE was the 1st BWAUP member: http://creditboards.com/forums/index.php?showtopic=437867 Whoa, memories! You know i still remember being all excited about my first approval (BBRZ MC, $300 limit) and not too long ago my local bank matched my highest current CLI at $6800. My total limits are over $60K now.... that's a little bit of an improvement over January, 2010 when I first arrived at CB without any cards at all! Edited October 21, 2013 by GonnaGetEm Quote Link to comment Share on other sites More sharing options...
BobWang Posted October 21, 2013 Author Share Posted October 21, 2013 With your new limits, 1982 would be greedy Quote Link to comment Share on other sites More sharing options...
GonnaGetEm Posted October 21, 2013 Share Posted October 21, 2013 Nonsense. It would be routine. Anything else would be unfair. Why should I be different from all the other Wangites? Still pouting at Amex for that. Quote Link to comment Share on other sites More sharing options...
BobWang Posted October 21, 2013 Author Share Posted October 21, 2013 AmEx has a notation on your profile: "Don't give her D*, she already has 'em" Quote Link to comment Share on other sites More sharing options...
GonnaGetEm Posted October 21, 2013 Share Posted October 21, 2013 (edited) AmEx has a notation on your profile: "Don't give her D*, she already has 'em" WentAndGotEm, yup yup. Inability to afford a boob job prompted me to check on my credit situation back in Jan, 2010 and I found all too quickly that I was in terrible shape. My shape has muchly improved since then. Edited October 21, 2013 by GonnaGetEm Quote Link to comment Share on other sites More sharing options...
FlyingBroke! - Rod Posted October 22, 2013 Share Posted October 22, 2013 Hello, 1. Citi Bank - Since 2001 BK7 IIB - Last tried 6mo ago. no go. 2. Transunion (TruCredit) Blacklist since 2006 - Spoke to a manager yesterday about this. Asked when I will be elligible to use their service again. Response: Never. - was told, once you are on Transunion Blacklist for "suspicious" activity (too many daily pulls) you are never removed from the list. hahaha! Screw you TU! 3. AMEX - Since 2012 - was not IIB in BK. Told I am blacklisted due to "Too many applications within a 12 month period" Very odd. Will not allow me to apply for any of their products. Was told to wait 2 years. Quote Link to comment Share on other sites More sharing options...
BobWang Posted October 22, 2013 Author Share Posted October 22, 2013 American Express = 10 yrs (2 yrs if due to "Too many applications within a 12 month period") Capital One = Lenient, or > 9 yrs Chase = 6 yrs (CO), > 9 yrs (IIB) Citi = 3 yrs (Retail), 7 yrs (CO), 10-12 yrs (IIB)Discover = 5 yrsGECRB = 2yrs TransUnion = "Forever" for too many daily pulls (Actually 1-2 years usually) Quote Link to comment Share on other sites More sharing options...
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