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What were the cards that went inTo collection and what amounts?
@Crashem wrote:What were the cards that went inTo collection and what amounts?
BofA-$5K, Cap1-three cards about $1.8K each, Amex Blue-$4K,HSBC-$1.5K
@Crashem wrote:What were the cards that went inTo collection and what amounts?
@Crashem wrote:What were the cards that went inTo collection and what amounts?
Crashem
You have any suggestions? HELP!!
@MountainHiker wrote:
@Crashem wrote:What were the cards that went inTo collection and what amounts?
BofA-$5K, Cap1-three cards about $1.8K each, Amex Blue-$4K,HSBC-$1.5K
Are all these paid? Like I said you can forget about AMEX and BofA. They are not forgiving.
@trumpet-205 wrote:
@n777ua wrote:I think Amex blacklists forever, you may have to satisfy the debt to ever get back in with them.
If you are blacklisted, AMEX does not welcome you back even if debt is paid.
Not true, If you pay them in full they will remove you from the blacklist.
@sjt wrote:Not true, If you pay them in full they will remove you from the blacklist.
You mean Oasis program? AMEX used to do it, but they drop the program now days.
@trumpet-205 wrote:
@MountainHiker wrote:
@Crashem wrote:What were the cards that went inTo collection and what amounts?
BofA-$5K, Cap1-three cards about $1.8K each, Amex Blue-$4K,HSBC-$1.5K
Are all these paid? Like I said you can forget about AMEX and BofA. They are not forgiving.
None of them were paid off(not proud of that fact) but all are eight years old, and no longer reporting.Time does help!
Mountain,
Go ahead and app for Amex Zync. If you get denied, see if there was hard pull or if reason for denial was bad history with Amex. If no hard pull or reason I listed before, that means you are on blacklist. Only option then is to go for Amex Oasis which would involve paying your old debt even though it no longer can legally be collected. If just rejected and hard pull, then it means you just need to work on your score. If accepted, the potential of backdating will help your credit file a lot.
In any case, that would be the first thing I would be trying in your shoes.
@Crashem wrote:Mountain,
Go ahead and app for Amex Zync. If you get denied, see if there was hard pull or if reason for denial was bad history with Amex. If no hard pull or reason I listed before, that means you are on blacklist. Only option then is to go for Amex Oasis which would involve paying your old debt even though it no longer can legally be collected. If just rejected and hard pull, then it means you just need to work on your score. If accepted, the potential of backdating will help your credit file a lot.
In any case, that would be the first thing I would be trying in your shoes.
Crashem
I respect your opinion and will follow your advice.I checked my credit today and have zero inquiries in last 12 months, so now might be a good time to invest one. Will go after a auto lease in about 30 days so I will wait until after that is completed. I can't help but shake my head about this situation.My score is higher now than when I originally was approved for the AMEX Blue card.I think my score then was about 660, and I had only two Cap1's with about $1500 limits. Had to recon it but was approved for $2k on the first recon. Building is a process!!
I've read here that Oasis isn't available to people that BK'd Amex.
Chase is slim.
BoA may have purged from their records if enough time has passed. That being said, remember FIA manages a lot more cards than we'd like to know so look real hard to see before burning an inquiry.
There are other banks like FNBO and USB with great products. USAA is really conservative. NCFU is great if you're eligible.