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amex charge off

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I have an AMEX charge off from 2017 its paid but I want it off my reports I've called them but the guy on the phone just kept saying nope can't take it off even if paid.

I've even tried disputing them because they were reporting the wrong info but they just update with the right info. 

 

I was able to get approved for a different AMEx card two months ago so I know I'm not blacklisted 

 

I was wondering has anyone had any luck with something like this. 

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3 hours ago, hegemony said:

welcome to CB!

 

which amex card did you recently get?

 

what means did you use to dispute the charge off previously?

the delta Gold and I sent it via certified mail

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AMEX, based on what I've seen, won't remove a PIF collections account that was not previously agreed to and they don't agree to many.

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This brings up two interesting points:

 

First:

The time when you have negotiating power is when you owe them money they want.  That is when you can negotiate a PFD (pay for delete).  

 

Once you have paid, you have lost all your negotiating power.

 

Second:

Many organizations have certain policies, which are written in stone for as long as they last.  Many of these places have a PFD policy.  For example, PRA used to have a policy forbidding PFD until they changed their policy to one encouraging PFD.  No rhyme nor reason, just the policy.

 

I have done consulting work for several banks.  A bank employee can get into trouble for violating the company policy, and will likely not have any repercussions for following the company policy.  I have had numerous people at banks tell me a certain policy is terrible, but they have to follow it, because it's the policy.  

 

So, when you ask for a deletion of a credit line, some random AmEx employee sees that this would violate the AmEx policy, and s/he could get reprimanded or fired for violating the policy.  Or, the employee could simply choose to keep in the good graces of his/her employer and reject your request.  

 

 

In other words, you aren't going to get them to delete your trade line.  You have no leverage, and the people you communicate with have a strong incentive NOT to accommodate you.  

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