AmEx- ReTry

[MoneyRight2015]

Hi Everyone,

So after a ton of work and really getting my credit up to a much better place from my 580 score back in November ( currently at EQ: 626 EX: 616 TU:655) I beleive this last push in March and April to lower my UTI will give me the extra bump I need to feel a bit better. 

So with that said I want to start seeding and I really want and AmEx again.

I say again because in my early 20's i was fortunate to have an AmEx Gold but like a totally misguided child i did not pay on time and my account eventually went to collects. Since then this account has been removed from my credit report as the 7 yr time frame passed. I have recently paid off the owed balance to AmEx via my old web portal login which is still an active portal on AmEx.com. 

AmEx has indicated in the past that I am more than welcome to reapply for a card once the account had been settled. There even was a time they would offer me a new card if i paid off the old balance. 

My question to you all is: What is the likely hood that I will be approved for an AmEx and if so which card do you think I have a shot at? 

Thanks in advance everyone for your help.

[Terry76308]

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@MoneyRight2015 wrote:

Hi Everyone,

So after a ton of work and really getting my credit up to a much better place from my 580 score back in November ( currently at EQ: 626 EX: 616 TU:655) I beleive this last push in March and April to lower my UTI will give me the extra bump I need to feel a bit better. 

So with that said I want to start seeding and I really want and AmEx again.

I say again because in my early 20's i was fortunate to have an AmEx Gold but like a totally misguided child i did not pay on time and my account eventually went to collects. Since then this account has been removed from my credit report as the 7 yr time frame passed. I have recently paid off the owed balance to AmEx via my old web portal login which is still an active portal on AmEx.com. 

AmEx has indicated in the past that I am more than welcome to reapply for a card once the account had been settled. There even was a time they would offer me a new card if i paid off the old balance. 

My question to you all is: What is the likely hood that I will be approved for an AmEx and if so which card do you think I have a shot at? 

Thanks in advance everyone for your help.

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AMEX has been known to give second chances to those who pay what they owe.

[ojefferyo]

AMEX is a fair company in my eyes, once you repay what you owe them and given some time has passed they will reconsider you for a card. 

[Anonymous]

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@MoneyRight2015 wrote:

Hi Everyone,

So after a ton of work and really getting my credit up to a much better place from my 580 score back in November ( currently at EQ: 626 EX: 616 TU:655) I beleive this last push in March and April to lower my UTI will give me the extra bump I need to feel a bit better. 

So with that said I want to start seeding and I really want and AmEx again.

I say again because in my early 20's i was fortunate to have an AmEx Gold but like a totally misguided child i did not pay on time and my account eventually went to collects. Since then this account has been removed from my credit report as the 7 yr time frame passed. I have recently paid off the owed balance to AmEx via my old web portal login which is still an active portal on AmEx.com. 

AmEx has indicated in the past that I am more than welcome to reapply for a card once the account had been settled. There even was a time they would offer me a new card if i paid off the old balance. 

My question to you all is: What is the likely hood that I will be approved for an AmEx and if so which card do you think I have a shot at? 

Thanks in advance everyone for your help.

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They sent me that offer about 15 years ago. I had burned them in a BK back in 1982. Out of the blue I got an offer for an Optima card if I paid the amount that I'd burned them for.

[Anonymous]

I know people on their blacklist. None of them repaid. I know people who now have them, with previous Bk. I'm one of them.

However, make sure your score with EX is north of 660.