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Established Member
etstrong98
Posts: 17
Registered: ‎08-09-2012
0

Could I be blacklisted

Good Day to all,

 

 

I have been wondering about this... I set a goal to get and AMEX by the end of next year, but I have a history with AMEX (no fault of my own). Time for the story....

 

When I was 16 or so there was apparently a blue card open in my name (had no Idea about it). Found out about it when I was around 19-20 was getting denied for a junk car loan and the dealer told me. I contacted them sent them proof I was under age when the account was open they removed it from my credit. But, since this was a charged off will they hold it against me? I am in no position now to even think about applying but I have been wondering if I and setting a goal I can’t accomplish

Beginning Scores 470
Current Scores - 04/04/2013 FICO TU 700 EQ 689
Lender Pulled EX 700
GOAL 2013 all over 720 and AMEX
Cap1 500 & 1500 Walmart 900 Amazon 1400 Target 600 Kay's 2000 WFNNB (multi) 1750 Oldest card 15 years Aver 2 years
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Could I be blacklisted


etstrong98 wrote:

Good Day to all,

 

 

I have been wondering about this... I set a goal to get and AMEX by the end of next year, but I have a history with AMEX (no fault of my own). Time for the story....

 

When I was 16 or so there was apparently a blue card open in my name (had no Idea about it). Found out about it when I was around 19-20 was getting denied for a junk car loan and the dealer told me. I contacted them sent them proof I was under age when the account was open they removed it from my credit. But, since this was a charged off will they hold it against me? I am in no position now to even think about applying but I have been wondering if I and setting a goal I can’t accomplish


Erm... did you file a police report with the information?

 

Only way to find out if you are blacklisted is to apply, If you are blacklisted you may not even have a HP


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
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Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Could I be blacklisted

If your EX report contains the same information as your TU report, you may be in the right range for a charge product approval such as Amex Zync.  IF you aren't blacklisted. Also, Amex is NOT BK friendly.  so you may be wasting your time applying to them


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!



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Established Member
etstrong98
Posts: 17
Registered: ‎08-09-2012
0

Re: Could I be blacklisted

Yes i believe a police report and my birth Cert was needed for them to correct my report.

Beginning Scores 470
Current Scores - 04/04/2013 FICO TU 700 EQ 689
Lender Pulled EX 700
GOAL 2013 all over 720 and AMEX
Cap1 500 & 1500 Walmart 900 Amazon 1400 Target 600 Kay's 2000 WFNNB (multi) 1750 Oldest card 15 years Aver 2 years
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
0

Re: Could I be blacklisted

They shouldn't hold it against you.  It was Id theft.  Easiest way is to apply and see if you get rejected.  Check credit report to see if they pulled cr.  mostly likely ex.  If not, then you are blacklisted nd will need to jump through some hoops to fix that.

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Established Member
etstrong98
Posts: 17
Registered: ‎08-09-2012
0

Re: Could I be blacklisted

 


Crashem wrote:

They shouldn't hold it against you.  It was Id theft.  Easiest way is to apply and see if you get rejected.  Check credit report to see if they pulled cr.  mostly likely ex.  If not, then you are blacklisted nd will need to jump through some hoops to fix that.


If I apply and get denied how long should I wait to reapply? I want to make it a "best case" so I would wait until next month to apply when my utl is 3-6% now its around 40%. I think my BK falls off around April and my original plan as to apply then


Beginning Scores 470
Current Scores - 04/04/2013 FICO TU 700 EQ 689
Lender Pulled EX 700
GOAL 2013 all over 720 and AMEX
Cap1 500 & 1500 Walmart 900 Amazon 1400 Target 600 Kay's 2000 WFNNB (multi) 1750 Oldest card 15 years Aver 2 years
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Could I be blacklisted


Crashem wrote:

They shouldn't hold it against you.  It was Id theft.  Easiest way is to apply and see if you get rejected.  Check credit report to see if they pulled cr.  mostly likely ex.  If not, then you are blacklisted nd will need to jump through some hoops to fix that.


 

+1. YOU didn't default on them, the THIEF did. Since you've filed a report, it shouldn't be held against you. Whether or not Amex has it straightened out in their records, though, is another matter. The only way to find out is to apply and see what happens. If they do show you as blacklisted, contact them and ask that they correct their records. Be prepared to provide them with a copy of the police report.

 


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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