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Amex Optima and or reinstatement

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Gear1
Valued Member

Re: Amex Optima and or reinstatement

So, question for someone who knows how Amex does credit bureau updates, I called Amex and asked to send an update to Equifax because I thought that Equifax had some data that was not getting updated, they sent an update to all 3 but the only thing that changed was the balances, #1 do I have to ask Amex to send a complete file update or is that what they are doing?
#2 If Equifax is getting the full update why would they be showing CO status under payments when the other two are not.
Any thought at all would be appreciated.
Message 31 of 51
Brian_Earl_Spilner
Credit Mentor

Re: Amex Optima and or reinstatement

Just dispute it. The card is active and current. It can't be updated to something worse because it's in good standing.

    
Message 32 of 51
Gear1
Valued Member

Re: Amex Optima and or reinstatement

Had thought about disputing but was uneasy about Amex maybe having a problem with me doing so, or them sending an update to the other two that are not showing negative at all.
Message 33 of 51
Gear1
Valued Member

Re: Amex Optima and or reinstatement

Ok just got off the phone with Equifax, got shuffled around 3 times, last 2 people I spoke with said there was no CO on my Amex account anywhere and I explained I was looking at my report from today I just updated from my Equifax complete plan and it was showing the CO in my history, the last guy said there information was more up to date and he would mail me a copy of my credit report but gave no explanation of when my online report would update or when my score would update?
I think I got the run around but will wait a couple of more days to see, no idea what to do from here if that doesn’t pan out.
Message 34 of 51
sjt
Senior Contributor

Re: Amex Optima and or reinstatement


@Gear1 wrote:
Ok just got off the phone with Equifax, got shuffled around 3 times, last 2 people I spoke with said there was no CO on my Amex account anywhere and I explained I was looking at my report from today I just updated from my Equifax complete plan and it was showing the CO in my history, the last guy said there information was more up to date and he would mail me a copy of my credit report but gave no explanation of when my online report would update or when my score would update?
I think I got the run around but will wait a couple of more days to see, no idea what to do from here if that doesn’t pan out.

With you plan you should be able to pull a report on daily basis. Also, you can join Credit Karma and pull a report for free.

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 35 of 51
Gear1
Valued Member

Re: Amex Optima and or reinstatement

Yep just pulled Equifax report and credit karma report, CO still listed under history on EQ but not on TU, I think they were just trying to get me off the phone yesterday because I asked like 5 times if they were sure the CO was not listed on their end under history or anywhere else and they said no.
Message 36 of 51
sjt
Senior Contributor

Re: Amex Optima and or reinstatement


@Gear1 wrote:
Yep just pulled Equifax report and credit karma report, CO still listed under history on EQ but not on TU, I think they were just trying to get me off the phone yesterday because I asked like 5 times if they were sure the CO was not listed on their end under history or anywhere else and they said no.

Then I would dispute with Equifax. Call and see if you can do it over the phone.

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 37 of 51
Gear1
Valued Member

Re: Amex Optima and or reinstatement

Just now called EQ and disputed the way the history was being reported and they put the dispute in for me. We will see how Amex responds, hopefully not badly.
Message 38 of 51
Gear1
Valued Member

Re: Amex Optima and or reinstatement

Just got dispute back from EQ, Amex did not change any of the CO’s or lates, guess I will have to live with 2 clean bureaus and EQ the way it is.
Message 39 of 51
sjt
Senior Contributor

Re: Amex Optima and or reinstatement

Ugh. What is the score difference between EX and TU and EQ?

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 40 of 51
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