topic Re: Macy's Question in Credit Cards

Macy's Question

Anonymous — Tue, 19 Aug 2014 03:47:19 GMT

I have another question I had a Macy's card a long time ago that I wasn't able to keep up on and it went to collections, charged off, and eventually fell off my report, I'm sorry to say that I never paid it and I would like to pay it off now. I have heard before that if you pay on it that they will let you reopen it? Do anyone know if this is still the case?

Thanks again.

Re: Macy's Question

Anonymous — Tue, 19 Aug 2014 04:39:31 GMT

how long did it fell off your credit report?

@Anonymous wrote:
I have another question I had a Macy's card a long time ago that I wasn't able to keep up on and it went to collections, charged off, and eventually fell off my report, I'm sorry to say that I never paid it and I would like to pay it off now. I have heard before that if you pay on it that they will let you reopen it? Do anyone know if this is still the case?

Thanks again.

Re: Macy's Question

pazuzu — Tue, 19 Aug 2014 04:40:47 GMT

I saw a post (elsewhere) a while ago saying that "Macy's Rehab" is gone.

The information came from a call center csr who told the poster that the program was discontinued.

I haven't seen any recent success stories, so it may be true.

Re: Macy's Question

Anonymous — Tue, 19 Aug 2014 14:59:36 GMT

I want to say that it fell off in 2011. Plus my husband had a Macy card that went to collections (before we met) that he paid in full and he wants to reopen it.

Re: Macy's Question

Creditaddict — Tue, 19 Aug 2014 15:59:06 GMT

If it's been more than 4 years, they will consider you for a new account based on your credit standing today so you are WAY past that... go get yourself a new account. I always suggest applying in store when it comes to Macy's and Bloomingdales, they just don't trust security when you do it online and until you verify yourself after an approval you will probably start with a $100-$300 CL and you can't be considered for the Amex right from the start.

Re: Macy's Question

maiden_girl — Tue, 19 Aug 2014 16:12:38 GMT

@Creditaddict wrote:
If it's been more than 4 years, they will consider you for a new account based on your credit standing today so you are WAY past that... go get yourself a new account. I always suggest applying in store when it comes to Macy's and Bloomingdales, they just don't trust security when you do it online and until you verify yourself after an approval you will probably start with a $100-$300 CL and you can't be considered for the Amex right from the start.

That and...you can only be considered for the AMEX with an in-store application

Re: Macy's Question

Anonymous — Tue, 19 Aug 2014 16:24:33 GMT

Thanks for the information! Feeling pretty excited right now lol. unfortunately, I live in the middle of nowhere so I have to do most of my shopping online and end up applying for CC's online. Hopefully I'll make it out to the mall soon so that I can apply in person.

So would my husband be eligible for a new account? even though his Macy's account is still reporting in his CR? (it's showing paid in full/ closed/ collection account) It is due to fall off his CR 07/15 don't know if I should just have him wait it out?

Re: Macy's Question

Creditaddict — Tue, 19 Aug 2014 16:26:12 GMT

@Anonymous wrote:
Thanks for the information! Feeling pretty excited right now lol. unfortunately, I live in the middle of nowhere so I have to do most of my shopping online and end up applying for CC's online. Hopefully I'll make it out to the mall soon so that I can apply in person.

So would my husband be eligible for a new account? even though his Macy's account is still reporting in his CR? (it's showing paid in full/ closed/ collection account) It is due to fall off his CR 07/15 don't know if I should just have him wait it out?

should be fine. you just call the backdoor number and they will recon.

Re: Macy's Question

Anonymous — Tue, 19 Aug 2014 16:39:31 GMT

Thanks!

Re: Macy's Question

Eagered2succeed — Wed, 20 Aug 2014 00:06:04 GMT

be sure to let us know the outcome. I am in the same situation as your husband ;-)

Re: Macy's Question

Anonymous — Wed, 20 Aug 2014 19:16:57 GMT

Update: Macy's said that my husband would have to reapply but he would be eligible for a new account.

I called Macy's for my husband and the person I spoke with was surprisingly helpful, I explained that my husband had a Macy's account that went to collections but that he paid it off and he was interested in reestablishing a relationship with Macy's. I gave her my husbands information and she wanted to know if he currently had any credit cards open that he has had for 12-24 months I told her he did. She said that all he needs to do is apply in the store. She was adamant in letting me know to tell him not to apply for the Macy's Amex but he needs to apply for the store card lol.

I asked out of curiosity if they still had the "Macy's rehab" program and the lady said "oh yes" but you would have to owe on the account and be paying it off in full to reopen the account.

There's a few things on his credit report that I am trying to clear up so I'm going to have him wait.

Re: Macy's Question

SunriseEarth — Wed, 20 Aug 2014 19:20:38 GMT

@Anonymous wrote:

Update: Macy's said that my husband would have to reapply but he would be eligible for a new account.

I called Macy's for my husband and the person I spoke with was surprisingly helpful, I explained that my husband had a Macy's account that went to collections but that he paid it off and he was interested in reestablishing a relationship with Macy's. I gave her my husbands information and she wanted to know if he currently had any credit cards open that he has had for 12-24 months I told her he did. She said that all he needs to do is apply in the store. She was adamant in letting me know to tell him not to apply for the Macy's Amex but he needs to apply for the store card lol.

I asked out of curiosity if they still had the "Macy's rehab" program and the lady said "oh yes" but you would have to owe on the account and be paying it off in full to reopen the account.

There's a few things on his credit report that I am trying to clear up so I'm going to have him wait.

Sounds promising!

Re: Macy's Question

Anonymous — Wed, 28 Jan 2015 01:57:38 GMT

Apologies for bumping up an old thread but this rehab program if it does exist, how would that effect your old balance once reopened, wouldn't the delinquent amount still be on a person’s CR?

Re: Macy's Question

Creditaddict — Wed, 28 Jan 2015 03:22:00 GMT

My friend had settled a macys account a couple years ago and applied for new one and he was declined in store and called back door and they said legally you don't have to pay but we won't open you new account if you don't... He overnighted a cashiers check (they only take mail payments) and called back 3 days later and upon verifocation the payoff processed the app again and approved $800 store card!

Re: Macy's Question

1GaDawg85 — Wed, 28 Jan 2015 03:23:35 GMT

What if you IIB them? Would it have to come off your report....or what?

Re: Macy's Question

Creditaddict — Wed, 28 Jan 2015 03:28:34 GMT

3 years

Re: Macy's Question

Anonymous — Wed, 28 Jan 2015 03:41:07 GMT

@1GaDawg85 wrote:
What if you IIB them? Would it have to come off your report....or what?

Way too many abbreviations on here, lol, what’s IBB?

Re: Macy's Question

1GaDawg85 — Wed, 28 Jan 2015 03:43:19 GMT

Included in Bankruptcy

Re: Macy's Question

Anonymous — Wed, 28 Jan 2015 03:43:33 GMT

@Creditaddict wrote:
3 years

Is there anyway to just get them off your report, I personally have no interest in having an account with them. I just would like them off my report = \

Re: Macy's Question

1GaDawg85 — Wed, 28 Jan 2015 03:46:41 GMT

Time....