https://ficoforums.myfico.com/t5/Credit-Cards/Amex-charge-off-and-approval-2-years-after-settlement/m-p/6774771#M1872229 <P>I was a member of Amex since 2006.&nbsp; In 2020, I was laid off from my job and went through a divorce at the same time.&nbsp; I became deliquent and eventually my Amex (along with about 6 other cards) was charged off in September of 2020.&nbsp; I eventually arranged a settlement agreement with them, and satisified the settlement agreement in February 2022.&nbsp; I did not PIF.&nbsp; I still owe them about $1300.&nbsp; Fast forward to 2024 after I've cleaned up my credit profile substantially, I received an offer from them in the mail.&nbsp; I checked their preapproval feature, and it said that I was preapproved.&nbsp; I applied and was approved for the Amex Gold Card.&nbsp; I've been using the Amex Gold for the past 3 months and pay in full every Friday without issue.&nbsp; My credit scores are 688, 693, 691 with 5 charge-offs from 2020 still showing on my report, although they all have $0 balance now.</P><P>&nbsp;</P><P>My question is that my Amex Gold Card shows member since 2024.&nbsp; My previous Blue Cash card had me as a member since '06.&nbsp; I can still log into my old account and see the outstanding balance that was left over after the settlement agreement.&nbsp; Is there any reason to "stir the pot" if you will, and ask them about reinstating my status of member since 2006?&nbsp; Will it possibly draw attention to that old account if they overlooked it somehow and risk getting the new one closed?&nbsp; Should I consider myself lucky that I got back in with Amex so soon and just leave it alone?</P><P>&nbsp;</P><P>Thanks!</P> Fri, 19 Jul 2024 22:22:09 GMT Silveroak424 2024-07-19T22:22:09Z https://ficoforums.myfico.com/t5/Credit-Cards/Amex-charge-off-and-approval-2-years-after-settlement/m-p/6774771#M1872229 <P>I was a member of Amex since 2006.&nbsp; In 2020, I was laid off from my job and went through a divorce at the same time.&nbsp; I became deliquent and eventually my Amex (along with about 6 other cards) was charged off in September of 2020.&nbsp; I eventually arranged a settlement agreement with them, and satisified the settlement agreement in February 2022.&nbsp; I did not PIF.&nbsp; I still owe them about $1300.&nbsp; Fast forward to 2024 after I've cleaned up my credit profile substantially, I received an offer from them in the mail.&nbsp; I checked their preapproval feature, and it said that I was preapproved.&nbsp; I applied and was approved for the Amex Gold Card.&nbsp; I've been using the Amex Gold for the past 3 months and pay in full every Friday without issue.&nbsp; My credit scores are 688, 693, 691 with 5 charge-offs from 2020 still showing on my report, although they all have $0 balance now.</P><P>&nbsp;</P><P>My question is that my Amex Gold Card shows member since 2024.&nbsp; My previous Blue Cash card had me as a member since '06.&nbsp; I can still log into my old account and see the outstanding balance that was left over after the settlement agreement.&nbsp; Is there any reason to "stir the pot" if you will, and ask them about reinstating my status of member since 2006?&nbsp; Will it possibly draw attention to that old account if they overlooked it somehow and risk getting the new one closed?&nbsp; Should I consider myself lucky that I got back in with Amex so soon and just leave it alone?</P><P>&nbsp;</P><P>Thanks!</P> Fri, 19 Jul 2024 22:22:09 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Amex-charge-off-and-approval-2-years-after-settlement/m-p/6774771#M1872229 Silveroak424 2024-07-19T22:22:09Z https://ficoforums.myfico.com/t5/Credit-Cards/Amex-charge-off-and-approval-2-years-after-settlement/m-p/6774774#M1872230 <P>Leave it alone . It's just a year on the card .</P> Fri, 19 Jul 2024 22:52:03 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Amex-charge-off-and-approval-2-years-after-settlement/m-p/6774774#M1872230 Jnbmom 2024-07-19T22:52:03Z https://ficoforums.myfico.com/t5/Credit-Cards/Amex-charge-off-and-approval-2-years-after-settlement/m-p/6774832#M1872245 <P>It's as if you have some sort of split file they're looking at. I think you somehow slipped through the cracks on the approval. I'd leave it alone.</P> Sat, 20 Jul 2024 06:39:00 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Amex-charge-off-and-approval-2-years-after-settlement/m-p/6774832#M1872245 JoeRockhead 2024-07-20T06:39:00Z https://ficoforums.myfico.com/t5/Credit-Cards/Amex-charge-off-and-approval-2-years-after-settlement/m-p/6774855#M1872253 <P>DON'T POKE THE BEAR.&nbsp;</P> Sat, 20 Jul 2024 11:32:03 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Amex-charge-off-and-approval-2-years-after-settlement/m-p/6774855#M1872253 coldfusion 2024-07-20T11:32:03Z https://ficoforums.myfico.com/t5/Credit-Cards/Amex-charge-off-and-approval-2-years-after-settlement/m-p/6774856#M1872254 <P>I hate to agree with everyone else. But I agree with everyone else.</P><P>&nbsp;</P><P>Let it be.</P> Sat, 20 Jul 2024 11:34:38 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Amex-charge-off-and-approval-2-years-after-settlement/m-p/6774856#M1872254 SouthJamaica 2024-07-20T11:34:38Z