Question about AMEX Blacklist question

[Anonymous]

How can I find out if I'm on the blacklist? I had a HH Amex in 2016. Life happened and the account was closed. I paid it off and my credit scores are up now (not the best, but ok). I've gone to the pre qual page a few times and get nothing. How much longer should I wait? I really want that particular card back. Or should I take what I can from them and hold out for the HH?

[Remedios]

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@Anonymous wrote:

How can I find out if I'm on the blacklist? I had a HH Amex in 2016. Life happened and the account was closed. I paid it off and my credit scores are up now (not the best, but ok). I've gone to the pre qual page a few times and get nothing. How much longer should I wait? I really want that particular card back. Or should I take what I can from them and hold out for the HH?

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What exactly is "life happened" as it relates to closed account?

Lates, charge off?  Did you settle (if it was charge off) or paid full amount? 

What else is on your CR in terms of negatives? 

You'd have to apply to find out if you are on BL. Typically, there isn't a HP if you are.  

If you are not on BL, it doesn't mean it would result in the approval, that's still going to be based on internal records and whatever other negatives are still present on your CR.

As far as HH or "give me whatever", that approach isn't going to work because regardless of which card you apply for, same algorithm will be evaluating your profile, so if you aren't on BL, go for the card you want. 

[Anonymous]

@Remedios Ultimately, I started using the card to pay bills because of a change in jobs. The account was closed by AMEX. I paid the full amount via a payment plan AMEX created (that I paid out early, but I'm unsure if that actually matters). I was late twice on payments when the job switch was happening. I have other lates from a few years ago with Cap One and 1st Citizens. I've written good faith adjustment letters to no avail. I'm rebuilding my credit and have landed a few new cards. But I definitely want the HH AMEX back. So basically I have to pull the trigger to find out? I also read on a different question that I should have a 0 balance on all OTHER cards prior to applying. How much stock should I put into that? My FICO scores for CCs are 731 EQ, 728 TU, & 716 EX.

[Anonymous]

@Remedios And thank you for responding. I'm new and feeling my way around. I appreciate you!

[Remedios]

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@Anonymous wrote:

@Remedios Ultimately, I started using the card to pay bills because of a change in jobs. The account was closed by AMEX. I paid the full amount via a payment plan AMEX created (that I paid out early, but I'm unsure if that actually matters). I was late twice on payments when the job switch was happening. I have other lates from a few years ago with Cap One and 1st Citizens. I've written good faith adjustment letters to no avail. I'm rebuilding my credit and have landed a few new cards. But I definitely want the HH AMEX back. So basically I have to pull the trigger to find out? I also read on a different question that I should have a 0 balance on all OTHER cards prior to applying. How much stock should I put into that? My FICO scores for CCs are 731 EQ, 728 TU, & 716 EX.

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You should allow one card to report a balance before applying, there is a penalty when all revolving accounts report $0.00, maybe 15-20 points.   

So, don't apply with all cards at $0.00, your score will drop. 

Late payments on payment plan matter, but you paid it off without causing them a loss, that counts, too. 

My opinion, pull the trigger when ready and see what happens. HPs aren't the end of the world, neither are denials, and youd know where you stand with them. 

Congrats on successful rebuild! 

[Anonymous]

@Remedios Thanks. I'm feeling good today. I'm pulling the trigger. I'll let you know. Thanks for the HP are the end of the world. People make it seem like they are and I guess I've internalized that. NOT TODAY. I'M GOING FOR IT!

[Remedios]

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@Anonymous wrote:

@Remedios And thank you for responding. I'm new and feeling my way around. I appreciate you!

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@Anonymous  you're welcome. I've created a separate thread for you, that way we can remain focused on issues specific to your questions and your profile. 

Welcome to the boards. 

[Anonymous]

@Remedios Declined. I tried. Maybe again at the end of the year? IDK. Thanks again. 

[coldfusion]

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@Anonymous wrote:

@Remedios Declined. I tried. Maybe again at the end of the year? IDK. Thanks again. 

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Check whether or not they hard pulled from Experian.  That will add a bit more clarity as to how they currently view you.

[Remedios]

Sorry 😔