Posts: 88
Registered: ‎05-22-2007

Credit means never having to say you're sorry."

In  March 2003 I had outstanding balance's and lates, with both American Express -10,000 and Discover 6000. I  eventually  paid both  CC's in full, American Express in June of 2003 and Discover in April of 2005. 


That said, in 2006 I checked my credit report and discovered that American Express was showing up as derogatory ..... Long story- short, I contacted American Express and they deleted my negative information, that was in march of 2006.    I aIso received a letter form Discover in June of 2007 stating that they had removed my negative information. My question is: What are my chances of getting an American Express Gold Card?


Equifax 705 TU 719  My last EX 743

Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007

Re: Credit means never having to say you're sorry."

Just because it's no longer on your reports, that doesn't mean that AmEx doesn't still have it on their records. AmEx very, very rarely forgets.

That being said, since you did (apparently) pay your entire bill eventually, they might be willing to give you a Gold card. They've really been pushing their fee (charge) cards, so that they can get some quick revenue, I suppose. But they're awfully squirrelly these days.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+