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Late 150 days on Amex, have money to pay now, what to do?


joshsandiego
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Here is my story. I have a Amex Premium Gold Card, about 5 months ago I lost my job and had to decide what neglect and what to pay. I neglected the Amex but now have the money to pay it off. My account is canceled but its not in collections yet, and I was just sent a letter saying I would be approved for a Optima card if I pay balance in full. What are my options? Should I pay Amex or is there a way to get the lates off my CR. Thanks for any help! My Score was 776 before all this now it is around 640.

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Yup. Take the offer and PIF. That's your fastest route to credit score recovery in the long run. AMEX is unusual in that respect. After they are paid you might be able to goodwill some of the lates off. No guarantee on that though. Pay it before it charges off.

Edited by Tyra
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The last post in this topic was posted 2972 days ago. 

 

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