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Where Do I Start? Looking to Re Apply Re Activate Ancient Amex

ComeBackLady
Established Contributor

Where Do I Start? Looking to Re Apply Re Activate Ancient Amex

Where Do I Start? Looking to Re Apply Re Activate Ancient Amex

I'm investigating doing this twofold, to increase my AAoA and possibly get my foot in the door soon with AMEX. 

 

Ages ago I had what I vaguely recall was an Amex Green Card. I was young and clueless and they closed the account on me. Balances I couldn't pay. Nothing horrendous or super high debt. Just couldn't do it. 

I'm wondering about being able to get it reactivated. Mostly for age. 

If so, where do I start, please? 🙏🏻

I do understand I will need to reapply. It'll be a HP. And were I to get it, they may backdate only 5 years. (Read that somewhere. Now I can't find the source link to reference it.) 

 

Yes, adding 5 years would be a huge help. 

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


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Message 1 of 8
7 REPLIES 7
FinStar
Moderator

Re: Where Do I Start? Looking to Re Apply Re Activate Ancient Amex

I'm not sure if they would be able to reinstate a charged off account since outcomes will vary.  Perhaps @sjt might be able to offer some guidance.  

Has the balance been paid or settled?  Where you enrolled in any type of repayment program? Is it still reflected on your CRAs?

 

ETA - some older threads on this topic:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/AMEX-Platinum-Card-Reinstatement-How-to/m-...

https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-Platinum-Reinstatement-Offer-or-Scam/m-p/6108440

https://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-Reinstate-offer-journey/m-p...

 

 

 

Message 2 of 8
ComeBackLady
Established Contributor

Re: Where Do I Start? Looking to Re Apply Re Activate Ancient Amex


@FinStar wrote:

I'm not sure if they would be able to reinstate a charged off account.  Perhaps @sjt might be able to offer some guidance.  

Has the balance been paid or settled?  Is it still reflected on your CRAs?


TY. No, it's been years. I'm open to paying what the amount was. Or at least looking into it... finding out how much it was. I just don't even who/where to phone....

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 3 of 8
FinStar
Moderator

Re: Where Do I Start? Looking to Re Apply Re Activate Ancient Amex

I edited/added some links to my previous response to see if any of those could help point you in the right direction.

Message 4 of 8
ComeBackLady
Established Contributor

Re: Where Do I Start? Looking to Re Apply Re Activate Ancient Amex

Thx very much for pointing me in the right/pertinent direction to get started and even see what's feasible. I'm reading through them all now. 🙏🏻🙏🏻🙏🏻🙏🏻  💳 

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 5 of 8
Jnbmom
Community Leader
Senior Contributor

Re: Where Do I Start? Looking to Re Apply Re Activate Ancient Amex

Even though AMEX backdates as they do and  when I applied for my card 2 years ago it states member since 2001,  the account doesn't get the age history regardless , as it doesn't report like that .

EXP 758 TU 783 EQ 729
Message 6 of 8
OmarGB9
Community Leader
Super Contributor

Re: Where Do I Start? Looking to Re Apply Re Activate Ancient Amex

I wouldn't get your hopes up about the backdating, even IF they happened to reinstate the account...Amex stopped backdating long ago, unfortunately. Smiley Frustrated


Last App: 04/05/2021
Penfed Signature Loan

Currently rebuilding as of 04/11/2019.

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Current FICO 8 scores:


Message 7 of 8
sjt
Senior Contributor

Re: Where Do I Start? Looking to Re Apply Re Activate Ancient Amex


@FinStar wrote:

I'm not sure if they would be able to reinstate a charged off account since outcomes will vary.  Perhaps @sjt might be able to offer some guidance.  

Has the balance been paid or settled?  Where you enrolled in any type of repayment program? Is it still reflected on your CRAs?

 

ETA - some older threads on this topic:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/AMEX-Platinum-Card-Reinstatement-How-to/m-...

https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-Platinum-Reinstatement-Offer-or-Scam/m-p/6108440

https://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-Reinstate-offer-journey/m-p...

 

 

 


From my understanding, you have to be offered reinstatement. However, it would not hurt to ask for reinstatement or for the Optima Card. You can call the Global Collections at 800-700-7619 or 800-921-6490.
American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 8 of 8
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