Question for AMEX cardholders

[LadyJEsq]

---

@beautifulblaquepearl wrote:

---

@Anonymous wrote:

I'm taking care of it tomorrow, I already had plans to pay it before they threw it on my EX and they knew that. Buttholes.

---

It sounds like the collection agency was watching your credit report for new activity. Sneaky... Don't just pay it. Request deletion for payment and get it in writing before you pay off the collection. I'm afraid the new collection is going to cause you some issues going forward so you definitely want it to be deleted.

---

+100000000000000

[Anonymous]

---

@NRB525 wrote:

---

@red259 wrote:

---

@Anonymous wrote:

Yeah I wouldn't do it at the time of activation. Actually that would hurt me if anything, a collection jumped from my TU and EQ onto my EX the day after i was approved for this card, i wouldn't want them to see that

---

Its best to wait at least the 60 days then , although make no mistake they will see the collection no matter what you do. Amex will continue to soft pull your credit report during the life of your account in order to keep tabs on your credit. 

---

This is true. It is also true that it is difficult to determine exactly when AMEX has last SP your file. The CLI reviews that AMEX does are only on the basis of SP information, so even if the collection gets removed, if the last SP AMEX has on file includes the collection, one must still wait for the SP to catch up, for the SP to get past the time when the collection was removed, before requesting a CLI.

The 60 day general guideline could then be applied to the timing of when the collection is fully removed: 61 days after that might be a good time to do the CLI, which allows time for a SP to be done some time in that 60 day window.

In the meantime, don't be afraid to fully utilize the $500 limit as long as you are paying in full or paying frequently. That usage and payment pattern is going to be included in the CLI analysis, in AMEX's internal score for your file. When my Delta Gold limit was still $2k, I started pushing up against that limit after a year of consistent PIF usage, and they gave me an auto CLI to $3k as the balance approached $2k. By pushing the $500, and PIF, you are signalling that the limit may not be enough. It is possible eventually they will respond with an auto CLI.

---

I'm thinking i'll be okay, because I was accepted by amex about ten days ago, and the collection appeared the day after i was approved. I'm paying the collection tomorrow and on average my collections have been deleted within a week. So unless they soft pull me within a few weeks after approving me, hopefully they wont ever know. But It's also not a big deal, when they increase my limit, they increase my limit. I have an AMEX with a usable limit when people tell me based on my stats I shouldn't even have gotten that, so whatevs.

[Anonymous]

---

@beautifulblaquepearl wrote:

---

@Anonymous wrote:

I'm taking care of it tomorrow, I already had plans to pay it before they threw it on my EX and they knew that. Buttholes.

---

It sounds like the collection agency was watching your credit report for new activity. Sneaky... Don't just pay it. Request deletion for payment and get it in writing before you pay off the collection. I'm afraid the new collection is going to cause you some issues going forward so you definitely want it to be deleted.

---

No, I had been in contact with them, it's my fault. For four years this collection was on my TU, and after contact them they threw it on my EQ and then they tried to call me a few weeks back and I told them im in a jam and I needed a month to get the funds together and they threw it on my EX a few days later. My initial contact with themw as before I was educated on dealing with collections, otherwise I would never have called. And, I know all about pay for delete, when I started my journey a couple months ago I had over ten collections and now I'm down to two, this one and another paid collection for 16 that's sitting on my EQ. If there is one thing I know how to do, it's get rid of collections.

[red259]

---

@Anonymous wrote:

---

@beautifulblaquepearl wrote:

---

@Anonymous wrote:

I'm taking care of it tomorrow, I already had plans to pay it before they threw it on my EX and they knew that. Buttholes.

---

It sounds like the collection agency was watching your credit report for new activity. Sneaky... Don't just pay it. Request deletion for payment and get it in writing before you pay off the collection. I'm afraid the new collection is going to cause you some issues going forward so you definitely want it to be deleted.

---

No, I had been in contact with them, it's my fault. For four years this collection was on my TU, and after contact them they threw it on my EQ and then they tried to call me a few weeks back and I told them im in a jam and I needed a month to get the funds together and they threw it on my EX a few days later. My initial contact with themw as before I was educated on dealing with collections, otherwise I would never have called. And, I know all about pay for delete, when I started my journey a couple months ago I had over ten collections and now I'm down to two, this one and another paid collection for 16 that's sitting on my EQ. If there is one thing I know how to do, it's get rid of collections.

---

I had to deal with a collection agency when my student loans went late due to circumstances beyond my control. Its fair to say that my opinion of them can't possibly get any lower. Quite nasty people to deal with.

[Anonymous]

Mine is good for all of them except this one lol. I had two that deleted after payment even tho I didn't know to ask for pfd at the time.

[Anonymous]

I had one agent scream at me from another CA. and I contacted the ceo and told him if he let me pfd I'd let it go..... deleted 3 days later.

[red259]

---

@Anonymous wrote:
I had one agent scream at me from another CA. and I contacted the ceo and told him if he let me pfd I'd let it go..... deleted 3 days later.

---

I had one agent mock me for not being able to get a job and said I was lying because there are plenty of jobs in my field. This was when economy went bad and there were massive layoffs in my field as well as many others. 

[Anonymous]

Okay that I would have taken to the BBB

[Anonymous]

Don't take for granted that this collection agency will PFD. I would still get it in writing before paying the balance especially since you are down to your last two collections. I am not telling you not to pay it because I believe if a debt is owed then it should be paid. I just want you to protect yourself. Not all collection agencies are created equal and legally they don't have to remove it. Without it in writing you really would have no recourse. Plus, PIF the balance re-ages the account so it could be on your report for another 7 years. Even though it's an old debt, it can appear to be new since it was just added to your credit profile. A new collection is never good. Again, best of luck to you!

[LadyJEsq]

---

@Anonymous wrote:

---

@beautifulblaquepearl wrote:

---

@Anonymous wrote:

I'm taking care of it tomorrow, I already had plans to pay it before they threw it on my EX and they knew that. Buttholes.

---

It sounds like the collection agency was watching your credit report for new activity. Sneaky... Don't just pay it. Request deletion for payment and get it in writing before you pay off the collection. I'm afraid the new collection is going to cause you some issues going forward so you definitely want it to be deleted.

---

No, I had been in contact with them, it's my fault. For four years this collection was on my TU, and after contact them they threw it on my EQ and then they tried to call me a few weeks back and I told them im in a jam and I needed a month to get the funds together and they threw it on my EX a few days later. My initial contact with themw as before I was educated on dealing with collections, otherwise I would never have called. And, I know all about pay for delete, when I started my journey a couple months ago I had over ten collections and now I'm down to two, this one and another paid collection for 16 that's sitting on my EQ. If there is one thing I know how to do, it's get rid of collections.

---

Not that it's any of my business, but even though you know how to get rid of collections, I would still get the PFD in writing.