Amex Approval with 3 judgements and a chargeoff

[OptimalCS]

The Macy's settled chargeoff is set to fall off in september. The judgements are set to fall of in 2014, 2014  and 2016

[dodgerslv]

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@Aim720 wrote:
I'm shocked to be approved for a new blue amex card with a $2000 limit yesterday.

I had a chargeoff with amex back in 2006 and thought I was blacklisted for sure. I also got approved for a citi thank you reward card with a $6000 limit right before that.
I had multiple charged off citi accounts in the past as well.

The weird part is that amex and citi approved me with 3 existing paid judgements,1 chargeoff and scores under 700.

Pretty strange!

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Congrats!!! I also got approved with AMEX with recent collections, and 2007 chargeoffs and scores under 700 at the time with over 15 INQs on EX.

[HiLine]

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@Aim720 wrote:

My Macys Chargeoff is settled in full. I have no past due balance

I dont know what my EX score is.

I currently have a cap one $500 CL= 42% Util

Home depot $1,500 CL= 0% Util

furniture store card $1,500 CL= 0% Util

I have a dense file with over 33 close/open accounts including a mortgage and auto loan.

I also had only 5 inq. 2 in the last year

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So was the chargeoff with Macy's or American Express? I'm confused.

[djc1puno]

Congrats!

[OptimalCS]

I had multiple chargeoff accounts on my file in 2006 including Amex and Macys.

Amex fell off after I paid in full but Macy's is scheduled to fall off in sept.

[OptimalCS]

Will Amex backdate my membership to when I first became a member in 2004?

I'm also not sure if this will negative affect me file since my original account with them was charged off.

[09Lexie]

They should backdate. You paid in full so I wouldn't worry about any negative actions.

[SpiceIslander]

Congrats! Those approvals blow some long-held theories!

[OptimalCS]

I just logged on to the website and it says member since 2004. I'm assuming that the card and my credit report will relect the same.

9 year old tradeline back from the dead!

[USF813]

Maybe there is hope for those of us who IIB Amex in '09 BK to the tune of $30k........or not!