08-20-2014 04:30 PM
Anything is possible. 29 years ago I had the green card and ended up burning AMEX for $1600. Last year I applied for AMEX card and was declined due to previous account history. I spoke with an account rep and they verified that I owe the amount of $1600 and they would settle for 60%. I requested documentation of account onwership and did not receive anything.
Forward 2 months later. In July of 2014, I spoke with a Fraud specialist at AMEX and stated that I have no knowledge of this account and requested an investigation. They asked If I had any suspects in mind and I stated I did not because the account was opened in Jan 1985.
Today, I received a letter from the fraud department stating that this account and all information was considered closed and removed from my credit reports.
This account have never shown up on my credit report that I know of over the last 25 years. I will write to make sure that I have been removed from their blacklist,
I am pretty sure with the letter from their fraud division that I am almost 100% sure I will no longer be on their list and I will try to re-apply in 4-6 months....after some of my inquiries drop off.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.