AMEX Using Old Credit Report...Will They Recon?

[LS2982]

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@shane82388 wrote:

Yeah well at this point id almost just let lying dogs lie and wait the 30 days... (or is 28 days now? lol)

Or should i call and see if they would consider me for the Green Charge For Business instead?

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I would wait 30 days and try again.

[shane82388]

Ok ive checked and it still only says AMEX - Sept. 2011 and Chase - Jan. 2011 so I guess i wasnt hard pulled.

They must of just looked over the same credit report and concluded what their system already decided was the correct decision.

[shane82388]

I did just notice that my student loan account that ive had since about Feb. 2007 only has one month having been reported and then just says "closed".

See what i mean? Thats the only mention of it as well...That could be why my Experian is randomly coming up with lack of installment loans as a reason why its being hurt?

[shane82388]

I guess its possibly better off because that account had a couple lates on it from 2009 or so...but still...its weird because i believe its reporting a 1 closed and 2 open accounts on my other reports! (1 account split for each individual loan)

[Tonya-E]

OP...Experian hasn't updated everyone's student loans from the Direct Loan site change.  If you had a balance, it will eventually report.  Mine hasn't updated on Experian yet either.  It's on TU as of last month and updated on EQ in November.

[shane82388]

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@tonyaether wrote:

OP...Experian hasn't updated everyone's student loans from the Direct Loan site change.  If you had a balance, it will eventually report.  Mine hasn't updated on Experian yet either.  It's on TU as of last month and updated on EQ in November.

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Yeah, well its reporting, on there both without the history, but without the negs as well...hopefully the negs arent put back on!