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I will try to make this short but detailed.
I opened my Amex Green charge account back in 2000. By 2002 I was going thru a messy separation/divorce. They ex was an authorized user under me and I removed her. There was a balance of $1300.00. Needless to say the account was charged off. The CA never showed on my EQ CRA. That was the only CRA Amex showed on. I paid the CA and AMEX kept the negative info on my CR. It fell off sometime in 2009.
I tried to call AMEX today to see if I was blacklisted or whatever. Lo and behold, they have no record that I was ever a customer. When I called in 2009, they were able to pull me up. The CSR said that the system washes out after 7 years. I was always under the impression that AMEX was meticulous about their records, especially when it comes to blacklisting. I mean, I've read where people haven't been customer and they were able to back date them to 1989. What gives?
Any input is welcome.
I would apply for new account. I would not try to backdate to a charged off account.
I really wanted the backdate. I was hoping you or someone had a similar experience.
Come to think of it, how can I get a back member date if they can't find me? LOL
If they find your records, you are screwed.
I have a 1989 backdate, if they let me back in.
pdinero, i backdated a charged off account recently that was opened in 1989. i called the collections department and they were able to find my old account. i paid it off and i was able to open a amex blue card.
Really? That would be great if I could. I loved my Amex Green. I curse the day I met that hound (my ex wife) LOL. No sour grapes.
You really want to pay $1300 for a backdate?
No way. I will just give them a shot. I'd like all 3 scores to be above 730 before I try.
Once you apply they might find you. I have never heard anyone say they washout their records every 7 years. Sounds kinda Biblical to me. AMEX has the memory of an elephant. Good luck be happy if they give you a card just don't rattle the cage.