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Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Help!!!

A four year old collection was removed off of my reports last week and today, another collection showed up from the same account! I was approved for zync over the weekend and i wonder if amex will close the account if they see this .... Please advise


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Help!!!

i hope they wont but they already approved your card and process everything .........they probably closed but only if they pull your credit report again :smileyvery-happy:


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: Help!!!


nicholasyud wrote:

i hope they wont but they already approved your card and process everything .........they probably closed but only if they pull your credit report again :smileyvery-happy:


lol.... don't they always review new accounts??? (soft pull)??? that would suck if they do..... well, i'd still get to keep the card for show.... lol... anyone else have any thoughts on this?????


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Help!!!

yo quickly used your card as soon as you receive it.......im sure they aint going to cancel your card if you had some balance on it :smileyvery-happy:


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: Help!!!


nicholasyud wrote:

yo quickly used your card as soon as you receive it.......im sure they aint going to cancel your card if you had some balance on it :smileyvery-happy:


lol, and if they do, would i get backdated in the future??


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Help!!!

 

 

 

 

i dont have one so that i dont know....but i guess they do....since i heard every1 on this forum state that....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
jamesdwi
Posts: 1,970
Registered: ‎09-16-2011
0

Re: Help!!!


kobe2012 wrote:

A four year old collection was removed off of my reports last week and today, another collection showed up from the same account! I was approved for zync over the weekend and i wonder if amex will close the account if they see this .... Please advise


What is the date on the collection? is it still reporting with the old date, if it is old they will most likely ignore it, if its re-aged you have bigger problems. Zync are approved with multiple old collections on the report, i know from experience. 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Valued Contributor
RockinRay
Posts: 1,947
Registered: ‎08-13-2007
0

Re: Help!!!


jamesdwi wrote:

kobe2012 wrote:

A four year old collection was removed off of my reports last week and today, another collection showed up from the same account! I was approved for zync over the weekend and i wonder if amex will close the account if they see this .... Please advise


What is the date on the collection? is it still reporting with the old date, if it is old they will most likely ignore it, if its re-aged you have bigger problems. Zync are approved with multiple old collections on the report, i know from experience. 


+1 - if they do take adverse action, I woul simply give them a call and explain the situation.

 

Look at it like this, they want your "swipe fees" so it is to their advantage to have you as a card holder.

 

I think you will be fine in the long run. If it ends up you need to call them, just be honest about what happened.

Ray

** Every Card has a Job, and Every Card does its Job **

Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Help!!!

[ Edited ]

THAT HAPPENED TO ME! Well not a collection but an inquiry. I had one removed and got all excited only to have the same one appear again with the same date just a different name...they had to change the inquiry from Chase to JPM Chase...smh...

 

I think you're fine tho! They have no reason to pull your credit again if they've already approved your card!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: Help!!!

It was a collection that was sold to another collection agency and it shows as most recent!!! opened 08/29/12!!! .... no other info was listed (original creditor, or DOFD from the OC).... am crossing my fingers that it won't affect my amex.... does anyone know if new negatives affect CLI on GE store cards???


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk




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