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New Member
daveyj88
Posts: 7
Registered: ‎08-05-2012

Worried about amex..

[ Edited ]

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)
Valued Contributor
discernment
Posts: 1,142
Registered: ‎09-01-2011

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. :smileysad:

 



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
New Member
daveyj88
Posts: 7
Registered: ‎08-05-2012

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)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012

Re: Worried about amex..

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

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Established Contributor
sjt
Posts: 639
Registered: ‎05-05-2010

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?

 

 

 

Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009

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


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Regular Contributor
CK_Charles_Lover
Posts: 248
Registered: ‎09-02-2011

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)
Established Contributor
CribDuchess
Posts: 591
Registered: ‎09-12-2011

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. :smileysad:

 


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

FICOs: TU08 841 6/3/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 810 6/10/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom MC $7.5K; Citi Simplicity Visa $15.1K; Discover IT $22.5K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $20K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Established Contributor
CribDuchess
Posts: 591
Registered: ‎09-12-2011

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 841 6/3/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 810 6/10/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom MC $7.5K; Citi Simplicity Visa $15.1K; Discover IT $22.5K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $20K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K

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