Reapplying to AMEX After Hardship + DMP

[sjt]

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@Anonymous wrote:

Thank you! Appreciate the phone numbers and resources.

Just an update, last week I called the number on the back of my Platinum card to see about reinstatement. I had unfortunately recieved a message that since the cards were closed longer than a year ago that reinstatement wasn't possible, but the customer service representative "strongly encouraged" me to reapply over the phone versus online. So naturally, I had them transfer me over to an individual who helped me reapply. 

Denied, but not for the reason I thought it would be. I just got the rejection notice in the mail and the reason cited was basically that one of my creditors still has the notation on my credit report that the account is in a DMP. I've followed up with the creditor to get that stamp removed, wait a month or two, and reapply, should these numbers you listed not yield a positive result!

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Good to hear. By chance, does the account that has the DP marked show a balance owing? If there is not a balance, then I would call for reconsideration.

[Anonymous]

Haven't reapplied just yet. Wanted to wait three months just to make sure everything regarding the DMP was removed off my reports, so I'm waiting until July to re-apply. Will update then!

[Anonymous]

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@sjt wrote:

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@Anonymous wrote:

Thank you! Appreciate the phone numbers and resources.

Just an update, last week I called the number on the back of my Platinum card to see about reinstatement. I had unfortunately recieved a message that since the cards were closed longer than a year ago that reinstatement wasn't possible, but the customer service representative "strongly encouraged" me to reapply over the phone versus online. So naturally, I had them transfer me over to an individual who helped me reapply. 

Denied, but not for the reason I thought it would be. I just got the rejection notice in the mail and the reason cited was basically that one of my creditors still has the notation on my credit report that the account is in a DMP. I've followed up with the creditor to get that stamp removed, wait a month or two, and reapply, should these numbers you listed not yield a positive result!

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Good to hear. By chance, does the account that has the DP marked show a balance owing? If there is not a balance, then I would call for reconsideration.

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Interesting. It does not show a balance but when I checked last week it still showed the DMP marked. Followed up with my DMP servicer to get that cleared.

Update:

https://ficoforums.myfico.com/t5/Credit-Cards/Guidance-on-New-CC-s-Post-DMP/m-p/6369903#M1785020