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A four year old collection was removed off of my reports last week and today, another collection showed up from the same account! I was approved for zync over the weekend and i wonder if amex will close the account if they see this .... Please advise
i hope they wont but they already approved your card and process everything .........they probably closed but only if they pull your credit report again
@nicholasyud wrote:i hope they wont but they already approved your card and process everything .........they probably closed but only if they pull your credit report again
lol.... don't they always review new accounts??? (soft pull)??? that would suck if they do..... well, i'd still get to keep the card for show.... lol... anyone else have any thoughts on this?????
yo quickly used your card as soon as you receive it.......im sure they aint going to cancel your card if you had some balance on it
@nicholasyud wrote:yo quickly used your card as soon as you receive it.......im sure they aint going to cancel your card if you had some balance on it
lol, and if they do, would i get backdated in the future??
i dont have one so that i dont know....but i guess they do....since i heard every1 on this forum state that....
@kobe2012 wrote:A four year old collection was removed off of my reports last week and today, another collection showed up from the same account! I was approved for zync over the weekend and i wonder if amex will close the account if they see this .... Please advise
What is the date on the collection? is it still reporting with the old date, if it is old they will most likely ignore it, if its re-aged you have bigger problems. Zync are approved with multiple old collections on the report, i know from experience.
@jamesdwi wrote:
@kobe2012 wrote:A four year old collection was removed off of my reports last week and today, another collection showed up from the same account! I was approved for zync over the weekend and i wonder if amex will close the account if they see this .... Please advise
What is the date on the collection? is it still reporting with the old date, if it is old they will most likely ignore it, if its re-aged you have bigger problems. Zync are approved with multiple old collections on the report, i know from experience.
+1 - if they do take adverse action, I woul simply give them a call and explain the situation.
Look at it like this, they want your "swipe fees" so it is to their advantage to have you as a card holder.
I think you will be fine in the long run. If it ends up you need to call them, just be honest about what happened.
THAT HAPPENED TO ME! Well not a collection but an inquiry. I had one removed and got all excited only to have the same one appear again with the same date just a different name...they had to change the inquiry from Chase to JPM Chase...smh...
I think you're fine tho! They have no reason to pull your credit again if they've already approved your card!
It was a collection that was sold to another collection agency and it shows as most recent!!! opened 08/29/12!!! .... no other info was listed (original creditor, or DOFD from the OC).... am crossing my fingers that it won't affect my amex.... does anyone know if new negatives affect CLI on GE store cards???