@llecs wrote:
@MsMiami wrote:
@llecs wrote:Admittedly I haven't looked in the CC board in a while, but I haven't seen too many mentions about the 99/500. Back when I got mine in '07, everyone talked about it on these forums. I know it's still offered but less frequently than before it appear. I bet if it fell off you'd be in a better shape for it. Is it listed as paid?
It's unpaid.... Does that make a difference once it's deleted? (just curious)
Yes, it can with some creditors.
oh wow, didnt even know. I thought if it's deleted, it's deleted. That sucks 
@llecs wrote:Even if deleted on your CRs, it doesn't mean the creditor has to forgive the debt. IIRC, Amex has a long memory. Seems like there are some posts in here of those applying 10-15 years after an unpaid default only to be reminded by Amex that money is still owed, and will often follow the announcement up with an offer of credit if the prev. balance is paid off. Other creditors claim to have a long memory but forget after a while. I had a CO with Discover that was paid a couple of years later and they told me I could never have credit again. Ten years after receiving that letter, they issued a new CC after applying. Never would hurt to try, but I'd certainly would wait until paid and/or wait until it drops. BofA definitely would see it now.
got ya! thanks for your reply and the info! 
