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Established Member
Finance805
Posts: 25
Registered: ‎11-02-2011

Blacklisted from AMEX?

So I was reading up that if you are blacklisted from AMEX no inquiries will appear.  Back in late 2008 I ended up going delinquent on my AMEX and it ended up being CO but PIF eventually.  I remember applying for an AMEX some time last year but remember being instantly denied.  I use Equifax monitoring and noticed I didn't have an inquiry from them so I always thought I was blacklisted with them.  Well, now I was going through my experian and transunion accounts to clear up some information I noticed I did receive a hard inquiry from AMEX in mid 2011!  Great news that means eventually I should be able to reapply with them!  Perhaps after the neg falls off my report?  On a side note, I only have 3 inq on both my Equifax and Transunion but my Experian has 14!

Scores:
FICO: Equifax-670 (Pulled 9/2/12)
FICO: Experian-656 (Pulled 10/26/11)
FICO: TransUnion-627 (Pulled 11/14/11)
Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: Blacklisted from AMEX?

What was the denial reason?

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Member
Finance805
Posts: 25
Registered: ‎11-02-2011

Re: Blacklisted from AMEX?

Don't remember.  Didn't save the paperwork.

Scores:
FICO: Equifax-670 (Pulled 9/2/12)
FICO: Experian-656 (Pulled 10/26/11)
FICO: TransUnion-627 (Pulled 11/14/11)
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011

Re: Blacklisted from AMEX?


Finance805 wrote:

So I was reading up that if you are blacklisted from AMEX no inquiries will appear.  Back in late 2008 I ended up going delinquent on my AMEX and it ended up being CO but PIF eventually.  I remember applying for an AMEX some time last year but remember being instantly denied.  I use Equifax monitoring and noticed I didn't have an inquiry from them so I always thought I was blacklisted with them.  Well, now I was going through my experian and transunion accounts to clear up some information I noticed I did receive a hard inquiry from AMEX in mid 2011!  Great news that means eventually I should be able to reapply with them!  Perhaps after the neg falls off my report?  On a side note, I only have 3 inq on both my Equifax and Transunion but my Experian has 14!


Usually if you've paid the delinquent account, you will not be blacklisted. Your overall credit just has to be good enough for you to be approved again.

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Super Contributor
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Blacklisted from AMEX?

I think you should try again and go for a charge card!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Member
Finance805
Posts: 25
Registered: ‎11-02-2011

Re: Blacklisted from AMEX?

Go try again now?  I am not sure about that.  My FICO score for Equifax is 670. I am not sure of my Experian since there is no easy place to get it and that's the file they checked last time although my Experian FAKO is 670 also.  As I said on my experian I currently have 14 inquiries (although 4 are in the last year and none since October 2011).  Also I have 3 negatives on my report:

  • AMEX Charge Off/Paid in Full DoFD 3/2008
  • Chase Charge Off DoFD 5/2008
  • CA (Chase Charged Off to this Account) Settled for Less DoFD 6/2008

Do you still think I can qualify at this time?  I wouldn't want an unnecessary Inquiry since I plan on getting a house by June next year.

 

Scores:
FICO: Equifax-670 (Pulled 9/2/12)
FICO: Experian-656 (Pulled 10/26/11)
FICO: TransUnion-627 (Pulled 11/14/11)
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011

Re: Blacklisted from AMEX?


Finance805 wrote:

Go try again now?  I am not sure about that.  My FICO score for Equifax is 670. I am not sure of my Experian since there is no easy place to get it and that's the file they checked last time although my Experian FAKO is 670 also.  As I said on my experian I currently have 14 inquiries (although 4 are in the last year and none since October 2011).  Also I have 3 negatives on my report:

  • AMEX Charge Off/Paid in Full DoFD 3/2008
  • Chase Charge Off DoFD 5/2008
  • CA (Chase Charged Off to this Account) Settled for Less DoFD 6/2008

Do you still think I can qualify at this time?  I wouldn't want an unnecessary Inquiry since I plan on getting a house by June next year.

 


What else is on your CR? What's your AAoA? Any positive, open TLs? How many? How old are they? Is your util low? (Under 10% on only one CC)

 

You *might* qualify for a Zync, depending on the positives of your CR. Some people have gotten Zync w/a FICO in your ballpark. But you need some positive history -- at least 1 to 2 yrs with at least 2 open TLs. I'm not sure how they'll feel about the negs. If you don't have at least 2 positive, open TLs, then that's where you should start -- probably w/sub-prime cards and/or local CU CCs to begin with.

 

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Established Member
Finance805
Posts: 25
Registered: ‎11-02-2011

Re: Blacklisted from AMEX?


bichonmom wrote:

Finance805 wrote:

Go try again now?  I am not sure about that.  My FICO score for Equifax is 670. I am not sure of my Experian since there is no easy place to get it and that's the file they checked last time although my Experian FAKO is 670 also.  As I said on my experian I currently have 14 inquiries (although 4 are in the last year and none since October 2011).  Also I have 3 negatives on my report:

  • AMEX Charge Off/Paid in Full DoFD 3/2008
  • Chase Charge Off DoFD 5/2008
  • CA (Chase Charged Off to this Account) Settled for Less DoFD 6/2008

Do you still think I can qualify at this time?  I wouldn't want an unnecessary Inquiry since I plan on getting a house by June next year.

 


What else is on your CR? What's your AAoA? Any positive, open TLs? How many? How old are they? Is your util low? (Under 10% on only one CC)

 

You *might* qualify for a Zync, depending on the positives of your CR. Some people have gotten Zync w/a FICO in your ballpark. But you need some positive history -- at least 1 to 2 yrs with at least 2 open TLs. I'm not sure how they'll feel about the negs. If you don't have at least 2 positive, open TLs, then that's where you should start -- probably w/sub-prime cards and/or local CU CCs to begin with.

 

 

 


 

AAoA 4 Years 9 Months

Current Open TLs

  • Car Loan ~ $14k remaining, opened 2/2011
  • Capital One Rewards - $750 limit, opened 9/2010
  • Capital One Plat - $2,500 limit, opened 11/2011
  • Discover More - $750 limit, opened 11/2011
  • Macy's Store Card - $2,000 limit, opened 10/2011

Utilization is not an issue, currently high but I can pay down within one closing period.

Scores:
FICO: Equifax-670 (Pulled 9/2/12)
FICO: Experian-656 (Pulled 10/26/11)
FICO: TransUnion-627 (Pulled 11/14/11)
Established Member
nissanaltimacrazyhorse
Posts: 58
Registered: ‎10-24-2011

Re: Blacklisted from AMEX?

the charge cards are easier to get my numbers and info is similar and they gave me a zync and a bce, the zync came with a hard limit of 500 but was lifted after 2 months.

chase sapphire preferred 5k
capital one venture 5k
amex blue cash preferred 2.5k
chase freedom 500
amex premier reward npsl

trans union 705 goal 750
equifax 675 goal 750

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011

Re: Blacklisted from AMEX?


Finance805 wrote:

bichonmom wrote:

Finance805 wrote:

Go try again now?  I am not sure about that.  My FICO score for Equifax is 670. I am not sure of my Experian since there is no easy place to get it and that's the file they checked last time although my Experian FAKO is 670 also.  As I said on my experian I currently have 14 inquiries (although 4 are in the last year and none since October 2011).  Also I have 3 negatives on my report:

  • AMEX Charge Off/Paid in Full DoFD 3/2008
  • Chase Charge Off DoFD 5/2008
  • CA (Chase Charged Off to this Account) Settled for Less DoFD 6/2008

Do you still think I can qualify at this time?  I wouldn't want an unnecessary Inquiry since I plan on getting a house by June next year.

 


What else is on your CR? What's your AAoA? Any positive, open TLs? How many? How old are they? Is your util low? (Under 10% on only one CC)

 

You *might* qualify for a Zync, depending on the positives of your CR. Some people have gotten Zync w/a FICO in your ballpark. But you need some positive history -- at least 1 to 2 yrs with at least 2 open TLs. I'm not sure how they'll feel about the negs. If you don't have at least 2 positive, open TLs, then that's where you should start -- probably w/sub-prime cards and/or local CU CCs to begin with.

 

 

 


 

AAoA 4 Years 9 Months

Current Open TLs

  • Car Loan ~ $14k remaining, opened 2/2011
  • Capital One Rewards - $750 limit, opened 9/2010
  • Capital One Plat - $2,500 limit, opened 11/2011
  • Discover More - $750 limit, opened 11/2011
  • Macy's Store Card - $2,000 limit, opened 10/2011

Utilization is not an issue, currently high but I can pay down within one closing period.


IMO, I would wait. But then I tend to be conservative. Others may tell you to go for it. I'd wait until December or January. Then you'll have 3 TLs open just over 1 year, and 1 open over 2 yrs. December would give you an advantage for backdating all future Amex cards, since they backdate based on your original member since YEAR and the month of the new card. So, if you got Zync in Dec 12 and BCE in Jan 14, your BCE would actually be backdated to Jan 12 (11 months before you even got Zync).

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!


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