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Are Blacklists Real?

BallBounces
Established 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:     
020321:     



Current scores are in see - saw mode. Going to be choppy for a couple years, but hoping to break above 700 across all three and stay there in 2021.
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.










Message 23 of 26
Lizzo
Established Contributor

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 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 25 of 26
CS1974
Valued Contributor

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
July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 26 of 26
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