Credit Card Center Advertiser Disclosure†
05-19-2017 02:12 PM
05-19-2017 02:25 PM
If you burned them..charge off..bankruptcy they won't consider you at all. Just because something fell off CR dosn't mean the history isn't there. However if your accounts were paid in full you might have a chance in the future, they like to see a good rebuild history on debts
05-19-2017 02:27 PM
05-19-2017 02:32 PM
05-19-2017 02:33 PM
Offer to pay the deliquent account in full and see if they offer you the Optima program for rehabbing with them.
If you can't pay them back, don't expect them to bring you back in. They have very long memories.
05-19-2017 02:42 PM
05-19-2017 02:48 PM
I stuck with it and didn't do the BK, and the accts were removed in 2015. Tried to be added on my wife Amex as an AU. And it came back with the same reason , FML , but I heard a stories that some people get off the list a lot sooner so I'm guessing they must have diff criterias depending on a case by case basis
Even being added as a AU is a no-go if you burned them...they run your SSN to add you to account, best advice I can give you is call them and work out a repayment plan for your TOTAL debt (because settlements will still keep you out), make the plan, pay it off and then (3-6 mos after) ask to be added as AU, six months after that (if account stays golden)....then apply for new account
With AMEX actions speak louder then words, remorse, corrective action...and so on... works wonders with them to get back in their good graces..but it will take time
05-19-2017 02:51 PM
Tried calling and reason with them but unless I pay there is no other way. The reason is that I owe them roughly $15k from my previous marriage and I got stuck with the bill. So, I'd rather wait it out than spending $15k
05-19-2017 03:01 PM
You might be waiting a long time, typically 10-15 years and even then there are a lot of people on various credit boards who still can't get in again because they have a big balance due.
$15k is a lot, but if you want in with them, don't expect them to ignore it. Probably easier if you had BK'd that balance, but the past is the past.
05-19-2017 03:03 PM
In august 2018 will be 10 years from the first delinquency, so I'm keeping my fingers crossed. I'm not in desperate need to get back with them hence I have all major cards with high limits , but I love the perks that Amex gives you comparing with the other cards
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.