Amex Blacklisted from 20 years ago BK

[nyny12]

Hi

 

new the forum, i been reading alot of posts and really help me, so i wanted to share back.thanks to you all for the help

 

i app for amex 11-4 after 20 years of not having the card, i said let try for the amex blue.pulled ex. i called recon they said since you had a card and it was in your bk you can not get one. i said after 20 years i cant come back the rep said no, i called again two hours later same answer, i was blown away.

 

the same day i went for the barclays arrival got the message will let you know 7-10 days, i called recon they asked a few questions,approved 5,000 pulled trans

 

i went also for the discover it card approved 800.00 pulled EQ,

 

so i said let me try one more pulled the trigger went for the apple barclays card 1000 pulled EX

 

fico -710

[cv91915]

Congrats on your new cards.

 

Amex will take you back if you repay them. Only you can decide if it's worth it, based on what you owed them.

[Burgerwars]

If they make the payment, do they risk the account being reported to the credit bureaus as paid late? I wouldn't risk it.

 

There are always Amex cards issued by banks and the Bluebird card. While not really a true Amex credit card, but better than nothing.

Edited November 7, 2014 by Burgerwars

[cv91915]

If they make the payment, do they risk the account being reported to the credit bureaus as paid late? I wouldn't risk it.

There are always Amex cards issued by banks and the Bluebird card. Not really a true Amex card, but better than nothing.

The can only report negative info on your credit for 7 years from DOFD.

[shifter]

but better than nothing.

Actually worse than nothing.

 

The only reason to have an Amex is for D*

 

and the other Centurion benefits.

[nysbadmk8]

20 year blacklist dam. Also from the approvals and limits you received I think you need to work on your profile some more.

[Burgerwars]

 

If they make the payment, do they risk the account being reported to the credit bureaus as paid late? I wouldn't risk it.

There are always Amex cards issued by banks and the Bluebird card. Not really a true Amex card, but better than nothing.

The can only report negative info on your credit for 7 years from DOFD.

Ok. I worry about creditors resetting the clock if they sneak you into making a payment on an account from years ago.

[shifter]

I worry about creditors resetting the clock if they sneak you into making a payment on an account from years ago.

It doesn't work that way.

[nyny12]

when i did call to recon, they said it was co off in 1994 and stays in the system forever,

 

 

working on file

also barclays account opened on 11-4 posted on ex crdit report 11-5

 

credit score fico 690

[Menta33]

FWIW, I was able to get an AU Amex in 2013 even though I had IIB an Amex card in 1994. I'm hoping that means I have a chance at my own Amex once my reports are clean.

[nyrfann]

I'm in the same situation OP, only my BK was 15 years ago. Anyway now I'm determined to get back in with them, not sure why just want the challenge I guess. So last Friday I wrote a long, detailed letter to the Chairman/CEO, CFO and several high lever VP's. Now it's a waiting game

[mendelssohn]

I'm in the same situation OP, only my BK was 15 years ago. Anyway now I'm determined to get back in with them, not sure why just want the challenge I guess. So last Friday I wrote a long, detailed letter to the Chairman/CEO, CFO and several high lever VP's. Now it's a waiting game

 

Have you tried applying recently?

 

If you are still on the BL, there won't be an inquiry, so it's easy to tell.

[nyny12]

thats correct it was only a soft pull on EX for me

[nyrfann]

 

I'm in the same situation OP, only my BK was 15 years ago. Anyway now I'm determined to get back in with them, not sure why just want the challenge I guess. So last Friday I wrote a long, detailed letter to the Chairman/CEO, CFO and several high lever VP's. Now it's a waiting game

 

Have you tried applying recently?

 

If you are still on the BL, there won't be an inquiry, so it's easy to tell.

 

Yes and yes on BL as no pull.

[nyny12]

keep me posted on there response

[nyrfann]

keep me posted on there response

Will do but I honestly don't expect anything positive to come out of it.

[mendelssohn]

You might get an offer for the Oasis program. You never know.

 

Of course that would mean paying off the old accounts.

[nyrfann]

You might get an offer for the Oasis program. You never know.

 

Of course that would mean paying off the old accounts.

Don't want them that bad, lol!

[mendelssohn]

 

 

You might get an offer for the Oasis program. You never know.

 

Of course that would mean paying off the old accounts.

Don't want them that bad, lol!

You certainly don't need them for backdating to help your scores.

 

Fortunately, I never burned Amex, but I never paid any of my charged off accounts. BOA reminded me of that when I was trying to recon a higher limit on my Fidelity Amex approval, and that was 8 years ago.

[Menta33]

FWIW, I was able to get an AU Amex in 2013 even though I had IIB an Amex card in 1994. I'm hoping that means I have a chance at my own Amex once my reports are clean.

 

I've got several Amex HP(s) as I've tried to get a new card over the last few years.

[mendelssohn]

 

 

FWIW, I was able to get an AU Amex in 2013 even though I had IIB an Amex card in 1994. I'm hoping that means I have a chance at my own Amex once my reports are clean.

I've got several Amex HP(s) as I've tried to get a new card over the last few years.

Then you aren't on the BL.

[Menta33]

 

 

FWIW, I was able to get an AU Amex in 2013 even though I had IIB an Amex card in 1994. I'm hoping that means I have a chance at my own Amex once my reports are clean.

I've got several Amex HP(s) as I've tried to get a new card over the last few years.

Then you aren't on the BL.

 

 

Pure speculation, but perhaps my getting an Amex corporate card guaranteed by my company (Amex wouldn't otherwise approve it) around 2004 is the reason I'm off the list.

[tmkats]

Don't feel bad. I will be forever on their BL as well.

 

Burned them for over $5K in my BK and it's certainly not worth it to pay to get back in with them.

[nyny12]

just to note. when i did call them they didnt even ask me to pay them back after 20 years, just said no you cant get the card

[Zobelle]

$5,000? That's peanuts.

 

There's a member over at CCF that burned them for over $100K.