Jump to content

First AMEX Gold after 3 PIF AMEX accts through DMP


BigSpenderBigSaver
 Share

Recommended Posts

Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones?

 

I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not be subject to an F/R.

 

FICO scores as follows:

EX 713

TU 717

EQ 701

 

I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I not looking to apply for the AMEX Gold for a few months (depending on your feedback).

 

Thanks!

 

 

Sent from my iPhone using Tapatalk

Link to comment
Share on other sites


Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones?

 

I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not be subject to an F/R.

 

FICO scores as follows:

EX 713

TU 717

EQ 701

 

I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I not looking to apply for the AMEX Gold for a few months (depending on your feedback).

 

Thanks!

 

 

Sent from my iPhone using Tapatalk

Link to comment
Share on other sites

Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones?

 

I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not be subject to an F/R.

 

FICO scores as follows:

EX 713

TU 717

EQ 701

 

I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I’m not looking to apply for the AMEX Gold for a few months (depending on your feedback).

 

Thanks!

 

 

Sent from my iPhone using Tapatalk

Link to comment
Share on other sites

Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones?

 

I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not be subject to an F/R.

 

FICO scores as follows:

EX 713

TU 717

EQ 701

 

I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I’m not looking to apply for the AMEX Gold for a few months (depending on your feedback).

 

Thanks!

 

 

Sent from my iPhone using Tapatalk

Link to comment
Share on other sites

Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones?

 

I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not be subject to an F/R.

 

FICO scores as follows:

EX 713

TU 717

EQ 701

 

I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I’m not looking to apply for the AMEX Gold for a few months (depending on your feedback).

 

Thanks!

Link to comment
Share on other sites

Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones?

 

I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not be subject to an F/R.

 

FICO scores as follows:

EX 713

TU 717

EQ 701

 

I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I’m not looking to apply for the AMEX Gold for a few months (depending on your feedback).

 

Thanks!

Link to comment
Share on other sites

Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones?

 

I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not been subject to an F/R.

 

FICO scores as follows:

EX 713

TU 717

EQ 701

 

I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I’m not looking to apply for the AMEX Gold for a few months (depending on your feedback).

 

Thanks!

 

 

Sent from my iPhone using Tapatalk

Link to comment
Share on other sites

Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones?

 

I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not been subject to an F/R.

 

FICO scores as follows:

EX 713

TU 717

EQ 701

 

I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I’m not looking to apply for the AMEX Gold for a few months (depending on your feedback).

 

Thanks!

 

 

Sent from my iPhone using Tapatalk

Link to comment
Share on other sites

Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones? 

I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not been subject to an F/R.

 

FICO scores as follows:
EX 713
TU 717
EQ 701

 

I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I’m not looking to apply for the AMEX Gold for a few months (depending on your feedback). 
 

Thanks!

Link to comment
Share on other sites

  • 2 weeks later...

American Express does keep an internal blacklist.  So, if you caused a financial loss to American Express on any of the three accounts that were paid through the DMP, you may be on that list.  If you are on their internal BL, if you apply, they generally do not pull a credit bureau report, and deny you based upon prior experience.  

 

If you did cause a financial loss to American Express, you may be able to enter their "Oasis" program, whereby you will repay them for the financial loss, while obtaining new credit with them. 

Link to comment
Share on other sites

On 7/24/2021 at 8:00 AM, BigSpenderBigSaver said:

Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones? 

I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not been subject to an F/R.

 

FICO scores as follows:
EX 713
TU 717
EQ 701

 

I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I’m not looking to apply for the AMEX Gold for a few months (depending on your feedback). 
 

Thanks!

While you have contributed very little information, it appears that you may have had a financial difficulty that prompted DMP. You stated that you paid them off full. If that is the case, Amex may not necessarily hold those accounts against you. But when you reapply, Amex will be more interested to assess your probability of NOT falling back into what actually caused you to seek DMPAmex has been more lenient in recent times and that depends upon many factors that we don't know from your post yet.

 

Others, here, are more knowledgeable on this subject and will contribute!

Link to comment
Share on other sites

  • 2 weeks later...

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share

  • Similar Content

    • By 127B
      What is the max credit card limit with USAA? I have the rate advantage set at $8500, but I want to see if it possible to go higher to help with DTI. Thank you on advance.
    • By Roddy1212
      Why Pay for someone to help you build your credit with this tool its very easy and will help you build credit back up in no time!
    • By Chriskinda
      I'm 3 for 3 on firm no's. I don't know what else to do. 
      All CEOs, or their staff, replied saying they are required to report accurate information. As far as I'm aware that is true, but technically, they can choose whether or not to report the account at all? Is it worth responding and telling them that, or am I just wasting my time? The worst ones are paid charge offs from 2017, so I suppose they won't be affecting my credit in the near future. 
      But the most recent is synchrony/paypal credit from 2020. Worst status 120 days late, not charged off, but last 30 day late was in January 2021. Then I paid it off completely. It's tanking my credit score and I really want to get a better interest rate on my car. Side note: being bipolar sucks. I was diagnosed in 2020, it consists of impulsive spending followed by months long depression. I've got a handle on it now that I know what I'm dealing with... But do I really need to wait 7 years to stop dealing with the consequences of my manic episodes?
       Thank you.
    • By Compton56
      Iv been battling this car loan late payment with Ally financial for a year now. Iv called and sent dispute/forgiveness letters to Ally trying to get the 30 days late payment removed but they wont budge. I've always paid a lil more then what's due. Because of Covid I looked up the Fair credit act to see if there's protections for us from having negative marks on our credit during the pandemic but still no luck for me. Does anyone have any suggestion for me this is my only late payment.
    • By Compton56
      I tried a 100 day trial for a mattress and didn't relies I was basically  taking out a small loan. Before the trial ended I refunded the mattress and they gave me back my money and now I have a closed installment account on my report.  All my payments where on time I just want to remove the closed account from my Experian credit report. My original dispute was rejected does anyone have any suggestions?



  • Member Statistics

    • Total Members
      184,200
    • Most Online
      2,046

    Newest Member
    x3782d
    Joined
×
×
  • Create New...

Important Information

Guidelines