topic Re: Called EX anout AMEX in Credit Cards

Called EX anout AMEX

MidnightVoice — Wed, 20 Feb 2008 21:19:59 GMT

Some of you know that EX has been slow reporting AMEX recently. So I called them and talked to a real live person. He said he had no idea, but that Amex had been slow in the past.

I think he was blowing smoke and has no (expletive deleted) idea what is going on

Re: Called EX anout AMEX

techgirl — Wed, 20 Feb 2008 21:24:58 GMT

EX is reporting BoA Amex pretty quickly - but that is probably different.... I just was approved last week, the balances haven't even transferred yet, but I check TrueCredit and it appeared for EX and EQ not TU yet.

Re: Called EX anout AMEX

Anonymous — Wed, 20 Feb 2008 21:30:02 GMT

techgirl wrote:
EX is reporting BoA Amex pretty quickly - but that is probably different.... I just was approved last week, the balances haven't even transferred yet, but I check TrueCredit and it appeared for EX and EQ not TU yet.

BoA Amex cards are reported by BoA.

The issue is with Amex reporting to EX, and it seems to be only the combination Amex/EX that's having issues.

Re: Called EX anout AMEX

Anonymous — Wed, 20 Feb 2008 21:31:33 GMT

MidnightVoice wrote:
Some of you know that EX has been slow reporting AMEX recently. So I called them and talked to a real live person. He said he had no idea, but that Amex had been slow in the past.

I think he was blowing smoke and has no (expletive deleted) idea what is going on

Thanks for calling anyway, MV. I wouldn't really expect the frontline CSRs at Amex or EX to know what's going on, either, though.

I'm giving until Feb 29 before I offically dispute my 79-day-old balance that's currently reporting.

Re: Called EX anout AMEX

MidnightVoice — Wed, 20 Feb 2008 21:35:11 GMT

cheddar wrote:

MidnightVoice wrote:
Some of you know that EX has been slow reporting AMEX recently. So I called them and talked to a real live person. He said he had no idea, but that Amex had been slow in the past.

I think he was blowing smoke and has no (expletive deleted) idea what is going on

Thanks for calling anyway, MV. I wouldn't really expect the frontline CSRs at Amex or EX to know what's going on, either, though.

I'm giving until Feb 29 before I offically dispute my 79-day-old balance that's currently reporting.

I thought I would least try. My problem is that I do not know to dispute a missing account. I am not sure if it is possible. But he did say wait 6 months and then call Amex

Re: Called EX anout AMEX

Anonymous — Wed, 20 Feb 2008 21:48:13 GMT

When they 1st reported last month they hit EQ ON 1-19-08 then EX on 1-21-08 & finally Trans on 1-24-08. This month they hit EQ on 1-14-08 but the other 2 hasn't updated yet. I'm getting tired of seeing that $654 balance. I havn't been using the card that much so once that balance goes down it's staying down.

Re: Called EX anout AMEX

Anonymous — Wed, 20 Feb 2008 21:50:25 GMT

Amex is the slowest reporter on earth. I wish they would update. They're still showing an $800 balance on an account with $0 balance since December.

Re: Called EX anout AMEX

MidnightVoice — Wed, 20 Feb 2008 21:54:34 GMT

esshua wrote:
Amex is the slowest reporter on earth. I wish they would update. They're still showing an $800 balance on an account with $0 balance since December.

What confuses me is they reported to EQ and TU exactly on schedule. A slow and frustrating schedule, I admit, but on schedule

Re: Called EX anout AMEX

Red1Blue — Wed, 20 Feb 2008 21:57:35 GMT

What frustrates me is my Optima Oasis card reports as charge card with balance but to Credit Limit. That makes my fico scores take a dive. I have paid off the balance now hopefully it show as $0 and my fico scores should come back up again soon. Also once they report on EX it should help the average age of my accounts. Let us wait and see when they will start reporting it on EX.

Re: Called EX anout AMEX

gNaRKiLL — Wed, 20 Feb 2008 22:03:24 GMT

Ex wont update my CR lately. I even got another statement today from paid credit card showing a $0 balance that was paid over a month ago and EX still wont update. But EQ has which is weird since they are so slow.

Also on the topic of AMEX, if you hit the Luv button more than once in a 6 month period its an auto decline. This was what a rep told me today.

Re: Called EX anout AMEX

Anonymous — Wed, 20 Feb 2008 22:06:46 GMT

gNaRKiLL wrote:
Ex wont update my CR lately. I even got another statement today from paid credit card showing a $0 balance that was paid over a month ago and EX still wont update. But EQ has which is weird since they are so slow.

Also on the topic of AMEX, if you hit the Luv button more than once in a 6 month period its an auto decline. This was what a rep told me today.

Yes, this has been the policy for at least a few months now. 30 days on new accounts. Every 6 months after that.

Re: Called EX anout AMEX

Anonymous — Wed, 20 Feb 2008 22:11:12 GMT

MidnightVoice wrote:

esshua wrote:
Amex is the slowest reporter on earth. I wish they would update. They're still showing an $800 balance on an account with $0 balance since December.

What confuses me is they reported to EQ and TU exactly on schedule. A slow and frustrating schedule, I admit, but on schedule

I just checked TC. They split my Amex TL so that TU and EX have 2 different account numbers.... BUT, there is no budget update. TU shows a "reported" date of 2/08. EX shows a reporting date of 01/08. still owe the same $800 on both. What kinda crap is that? The real balance is $0.

Re: Called EX anout AMEX

fused — Wed, 20 Feb 2008 22:11:21 GMT

The EX and Amex troubles have been going on for some time. EX has NEVER reported my Blue card and it's 14 months old. EX has not updated my Gold card since 08/07. EQ and TU are reporting both cards but two months behind. When I talk with Amex about these issues, they blame EX...then when I speak with a punching bag at EX, they blame Amex. I'm not sure who is at fault but if I had to guess I would say-

It's EX...their arrogance is legendary! LOL

Re: Called EX anout AMEX

Anonymous — Wed, 20 Feb 2008 22:13:37 GMT

I've had the Delta AMEX since 8/07 and it's never reported on EQ.

I guess my new AMEX won't report this decade.

Re: Called EX anout AMEX

MidnightVoice — Wed, 20 Feb 2008 22:15:38 GMT

fused wrote:

EX has NEVER reported my Blue card and it's 14 months old.

Hmmm - that might solve my problem of when to look at all three of my CRs!!

If it were Amex upset at EX, I would have thought they would no longer use EX for credit decisions

It's EX...their arrogance is legendary! LOL

Re: Called EX anout AMEX

fused — Wed, 20 Feb 2008 22:23:12 GMT

I hate to say this, but more and more lenders, banks and CCCs seem to be utilizing EX. After all, they are the fastest CRA to update the good, the bad and the ugly. At this point in time, I don't want my Blue card to report to EX...this would re-age my file and drop my score. My current EX score is the highest it's ever been.