Because of Amex, my Fico score dropped nearly 100 ... - myFICO® Forums

TheBronxBomber · ‎07-13-2012

So, I woke up this morning, poured a cup of coffee, signed in mfFico and nearly fainted when I read that Amex claimed that they haven't received a payment from me since 2008 and reported it to the credit bureaus. I immediately called the Amex credit department and calmly explained the situation. After 5 minutes of research, the representative notified me that it was indeed an error and said it will be removed from my reports within 72 hours. Thank goodness that I check my reports one a month.

Current myFICO Scores:03/08/12 EQ: 801 • TU: 801 • Bank of America TU FICO: 822 • Credit Karma Vantage: 873

My Wallet: Amex Business Platinum | Amex SPG (5k) | Amex Delta Reserve (33k) | Citi ThankYou Premier World MasterCard (26k) | Chase Mileage Club Visa Signature (15k)
Sock Drawer: Barclay Ring MasterCard (10k) | Discover More (6.5k) | CapitalOne VentureOne (4.5k) | Macy's | Amex Platinum Personal

webhopper · ‎07-13-2012

Because of Amex, you could have had a heart attack.

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!

injustifiiable · ‎07-13-2012

@TheBronxBomber wrote:
So, I woke up this morning, poured a cup of coffee, signed in mfFico and nearly fainted when I read that Amex claimed that they haven't received a payment from me since 2008 and reported it to the credit bureaus. I immediately called the Amex credit department and calmly explained the situation. After 5 minutes of research, the representative notified me that it was indeed an error and said it will be removed from my reports within 72 hours. Thank goodness that I check my reports one a month.

OMG...what an error! At least they were able to sort it out for you,

FrugalRican · ‎07-13-2012

You sign into myFICO AFTER pouring a cup of coffee?

Tsk, tsk.

Glad you got it all resolved.

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

webhopper · ‎07-13-2012

@FrugalRican wrote:
You sign into myFICO AFTER pouring a cup of coffee?

Tsk, tsk.
Glad you got it all resolved.

Must be able to see clearly before logging into myfico!

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!

journey258 · ‎07-13-2012

@FrugalRican wrote:
You sign into myFICO AFTER pouring a cup of coffee?

Tsk, tsk.
Glad you got it all resolved.

+1. Glad it was resolved so easily. Wonder how that happened in the first place.

Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)

jsucool76 · ‎07-13-2012

Amex was trolling you. haha.

That would be crazy. Happy everything got worked out.

pizzadude · ‎07-13-2012

It was all part of their master plan to out MyFICO posters

Seriously they need to throw you a nice chunk of MR points ~ I'd call back and ask for something.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

Anonymous · ‎07-13-2012

Wow, I don't see how that could have happened seems odd? I guess that's justification for me to check my score everyday no matter what see I knew I wasen't crazy!!!

Anonymous · ‎07-13-2012

@FrugalRican wrote:
You sign into myFICO AFTER pouring a cup of coffee?

Tsk, tsk.
Glad you got it all resolved.

LOL....CUTE! myFICO is more addicting than facebook and pinterest combined!

Because of Amex, my Fico score dropped nearly 100 points!

Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Because of Amex, my Fico score dropped nearly 100 points!

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Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

Re: Because of Amex, my Fico score dropped nearly 100 points!

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