cancel
Showing results for 
Search instead for 
Did you mean: 

Are Blacklists Real?

tag
BallBounces
Valued Contributor

Re: Are Blacklists Real?


@Dervrak wrote:

I had a weird experience with AMEX, I declared C7 Bankruptcy in 1999 and discharged an AMEX card in the amount of ~$3,000. Well in 2017 I applied for an AMEX card, was approved, only used it a couple time and kept it payed off. Then last month I got a notice from my credit monitoring service that my AMEX account was "closed by grantor". I figured it had simply been closed for non-use as I hadn't put a charge on it for over a year. However, when I got the notice in the mail it said the account had been closed due to "prior charged off AMEX account". Lol! I guess somebody at AMEX must have done a search of 20 year old charge off records and flagged my account.


A retro active blackilst - that's remarkable if the case.  Where boths cards Green charge cards?   

050719:     
021924:     


FICO 08 scores listed and are stagnated until multiple derogatory items expire over the next two years.
Message 21 of 26
Dervrak
Valued Member

Re: Are Blacklists Real?


@BallBounces wrote:
A retro active blackilst - that's remarkable if the case.  Where boths cards Green charge cards?   


The card that was discharged in bankruptcy in 1999 was a card I had gotten in college a few years prior, Optima Student card, if I recall? (it's been 20 years).

 

The card they just cancelled on me was a Blue Cash Preferred card.



Message 22 of 26
macinjosh
Senior Contributor

Re: Are Blacklists Real?


@Dervrak wrote:

@BallBounces wrote:
A retro active blackilst - that's remarkable if the case.  Where boths cards Green charge cards?   


The card that was discharged in bankruptcy in 1999 was a card I had gotten in college a few years prior, Optima Student card, if I recall? (it's been 20 years).

 

The card they just cancelled on me was a Blue Cash Preferred card.


Ouch! That makes bad prospects for some others if they are going to start doing that to people.


Samsung Financing TD Bank $3,200


Message 23 of 26
Anonymous
Not applicable

Re: Are Blacklists Real?

I'm blacklisted from ever using 5/3 or Huntington Checking accounts again... or so I think.. We'll see.
Message 24 of 26
sjt
Senior Contributor

Re: Are Blacklists Real?


@Dervrak wrote:

I had a weird experience with AMEX, I declared C7 Bankruptcy in 1999 and discharged an AMEX card in the amount of ~$3,000. Well in 2017 I applied for an AMEX card, was approved, only used it a couple time and kept it payed off. Then last month I got a notice from my credit monitoring service that my AMEX account was "closed by grantor". I figured it had simply been closed for non-use as I hadn't put a charge on it for over a year. However, when I got the notice in the mail it said the account had been closed due to "prior charged off AMEX account". Lol! I guess somebody at AMEX must have done a search of 20 year old charge off records and flagged my account.


That is really odd. What was your credit profile like at the time Amex closed your account?

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 25 of 26
Anonymous
Not applicable

Re: Are Blacklists Real?

With Amex if you pay them back for the money you owe them, higher probability of getting back on the platform. <——. Direct quote from a supervisor there.

With Chase, many people who have had charge offs eventually get back in. Factors included in that are the amount you burned them for and how long ago. <—— words from their credit bureau specialist

I had a Slate card from 2008-2010 with $5000 CL and it was charged off Jan 2011. Since then I’ve opened a chase checking account &amp; have pre approval for 3 of their cards via credit journey. Will be applying for CSP in late December early January.

Not sure about other lenders policies/practices
Message 26 of 26
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.