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AMEX ZYNC

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LS2982
Mega Contributor

Re: AMEX ZYNC


@FicoTron wrote:
I paid a CO that was 6years old this past December, it dropped my scores 40 points when it first happened.

Have you tried GW's to get it removed?? Who is the CA?




EQ FICO 548 3/3/16
Message 21 of 37
FicoTron
Established Contributor

Re: AMEX ZYNC

Tried it all. HSBC doesn't budge. It was a line of credit for a rapid refund from h & r block from 2006. The govt didn't pay them back, I moved to Boston, and never even knew it occurred, so when they tried to collect I never knew until I started monitoring my credit last year. I thought they would at least be forgiving since it wasn't a direct loan or cc from them, but I paid it and it will still be on my report til this time next year, dofd 5/2006.
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Message 22 of 37
FicoTron
Established Contributor

Re: AMEX ZYNC

Then my report is crystal after that.
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Message 23 of 37
tinuviel
Moderator Emeritus

Re: AMEX ZYNC


@FicoTron wrote:
I paid a CO that was 6years old this past December, it dropped my scores 40 points when it first happened.

 

Ouch, that's rough. Sorry to hear. At least it's old and will only be a factor for about another year. Smiley Sad


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
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Message 24 of 37
LS2982
Mega Contributor

Re: AMEX ZYNC

@Ficotron You'll greatly increase your chances at getting the gold or even an AMEX revolver if you let that CA fall off.



EQ FICO 548 3/3/16
Message 25 of 37
FicoTron
Established Contributor

Re: AMEX ZYNC

I know, but what if i am approved for an Amex now? It doesnt fall off for a year anyway, and I see people with major negs getting approved.
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Message 26 of 37
LS2982
Mega Contributor

Re: AMEX ZYNC

@FicoTron You have t make that decision. AMEX has sent you preapprovals for Zync, Green, and online special offer for Gold. That would tell me they are interested in my business. If I were you, I'd get in with Zync or Green, hold it for at least 6 months or more and then get Gold or a revolver. But waiting it out also means losing a year of "member since".



EQ FICO 548 3/3/16
Message 27 of 37
lazylane
New Contributor

Re: AMEX ZYNC


@LS2982 wrote:

@lazylane wrote:

Congrats! Reading this is making me want to app for one. I just opened 2 new Citi accounts 3 months ago though so I really shouldn't put any more inq's on my report but I'm very tempted Smiley Frustrated


uh oh.................Smiley Very Happy


I gave in to the tempation after reading all the success stories and was APPROVED Smiley Very Happy I can't believe it!! Woohoo!!

Message 28 of 37
LS2982
Mega Contributor

Re: AMEX ZYNC


@lazylane wrote:

@LS2982 wrote:

@lazylane wrote:

Congrats! Reading this is making me want to app for one. I just opened 2 new Citi accounts 3 months ago though so I really shouldn't put any more inq's on my report but I'm very tempted Smiley Frustrated


uh oh.................Smiley Very Happy


I gave in to the tempation after reading all the success stories and was APPROVED Smiley Very Happy I can't believe it!! Woohoo!!


Congrats!!! Smiley Very Happy




EQ FICO 548 3/3/16
Message 29 of 37
Repo-ed
Senior Contributor

Re: AMEX ZYNC

That's pretty cool.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 30 of 37
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