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Worried about amex..

New Member

Worried about amex..

I just got the news that a medical bill has gone to collection.. My insurance company didn't cover an MRI, and well neither can I.. I know that AMEX will soft new carmembers A LOT, and I'm pretty worried about it.. Am I about to kiss my AMEX PRG goodbye..?

 

I know that a collection is a collection, but I've heard that medical collection have less impact.. As for now, I'm trying to keep them from reporting it.. If they haven't already.

 

Fako Scores: Ex: 696, Eq:696, Tu: 723, Transrisk 658

:: 1 Public Record - State Tax lien, paid
:: UTI = 1%

AMEX PRG, Chase Freedom ($500), Cap1 plat ($500), BankAmericard ($600)
Message 1 of 15
14 REPLIES
Valued Contributor

Re: Worried about amex..

I'm suffering with the same worries!!! 

 

I've had a Federal Tax Lien that reappeared on my Equifax a few months ago.  Amex did not know about it because when they approved my Zinc and BCP, they pulled Experian which was clean as a whistle. 

 

Well, as of August 1st, that blasted Federal Tax Lien is appearing on Experian, Equifax and Transunion all three!!!  

 

I have fought Equifax to get the stinkin' thing taken off my CRs till I am worn out.  I went through my State's AG, I've filed a complaint with the BBB, I even got a signed letter from the County Recorder's Office (where this elusive Tax Lien is supposed to be on file) saying that they have NO such records --- REGARDLESS of all that, Equifax continues to report this Federal Tax Lien --- AND NOW ---  Experian and Transunion are reporting it too!!! 

 

Like you, I am very concerned that Amex is going to close down my Zinc and BCP. Smiley Sad

 



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Message 2 of 15
New Member

Re: Worried about amex..

Part of me is wondering if I call Amex and explain, or better yet, let them know about it before it surprises them..

Would this be a good measure? Or would this, most likely, shoot myself in the foot.. Hmm.. Any thoughts?
Fako Scores: Ex: 696, Eq:696, Tu: 723, Transrisk 658

:: 1 Public Record - State Tax lien, paid
:: UTI = 1%

AMEX PRG, Chase Freedom ($500), Cap1 plat ($500), BankAmericard ($600)
Message 3 of 15
Mega Contributor

Re: Worried about amex..


daveyj88 wrote:
Part of me is wondering if I call Amex and explain, or better yet, let them know about it before it surprises them..

Would this be a good measure? Or would this, most likely, shoot myself in the foot.. Hmm.. Any thoughts?

I wouldn't call them, if AA happens let them stumble on it.

 




EQ FICO 548 3/3/16
Message 4 of 15
Valued Contributor

Re: Worried about amex..

I agree. Don't do anything until they do.  In mean time, just do what you can.

               LIMITS IN CARD DESCRIPTIONS
Message 5 of 15
Valued Contributor

Re: Worried about amex..


daveyj88 wrote:

I just got the news that a medical bill has gone to collection.. My insurance company didn't cover an MRI, and well neither can I.. I know that AMEX will soft new carmembers A LOT, and I'm pretty worried about it.. Am I about to kiss my AMEX PRG goodbye..?

 

I know that a collection is a collection, but I've heard that medical collection have less impact.. As for now, I'm trying to keep them from reporting it.. If they haven't already.

 


Who sent you to get a MRI? Why is your insurance company no paying for it, do you have a HMO or PPO, and how much is the bill for?

 

 

 

Message 6 of 15
Senior Contributor

Re: Worried about amex..

Can you work with the hospital to pull it out of collections and enter a payment plan?  Might be worth a shot.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Message 7 of 15
Regular Contributor

Re: Worried about amex..

 I would call the hospital ASAP most of the time they will take any kind of payment. My mom has a few bills at hospital left over after insurance paid, she sends them minimal amount of money every month. They can not turn you in as long as you make a payment. Even $20 a month. 

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Message 8 of 15
Established Contributor

Re: Worried about amex..


discernment wrote:

I'm suffering with the same worries!!! 

 

I've had a Federal Tax Lien that reappeared on my Equifax a few months ago.  Amex did not know about it because when they approved my Zinc and BCP, they pulled Experian which was clean as a whistle. 

 

Well, as of August 1st, that blasted Federal Tax Lien is appearing on Experian, Equifax and Transunion all three!!!  

 

I have fought Equifax to get the stinkin' thing taken off my CRs till I am worn out.  I went through my State's AG, I've filed a complaint with the BBB, I even got a signed letter from the County Recorder's Office (where this elusive Tax Lien is supposed to be on file) saying that they have NO such records --- REGARDLESS of all that, Equifax continues to report this Federal Tax Lien --- AND NOW ---  Experian and Transunion are reporting it too!!! 

 

Like you, I am very concerned that Amex is going to close down my Zinc and BCP. Smiley Sad

 


Federal Tax Liens are normally put in place by the IRS, not State governments.  Have you checked with the IRS?

FICOs: TU08 850 EQ08 850 EX08 849

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; BofA TR Visa $18K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $50K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Message 9 of 15
Established Contributor

Re: Worried about amex..


Walt_K wrote:

Can you work with the hospital to pull it out of collections and enter a payment plan?  Might be worth a shot.


+1  In this day and age, I can't see any hospital not being willing to work out a payment arrangement.

FICOs: TU08 850 EQ08 850 EX08 849

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; BofA TR Visa $18K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $50K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Message 10 of 15