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GW WORKED WITH AMEX!!!

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Anonymous
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GW WORKED WITH AMEX!!!

Collection has been deleted off of all three of my credit reports!!!!!! It was my biggest baddie!
 
Scores this morning:

TU - 655
EX - 636
EQ - 599 Expecting this one to go up. It seems it takes a day or two for the fako to catch up that the collection dropped off.
 
I think the 9 point increase in EQ was my blue card being completed paid off.
 
WOW, thanks guys.
Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: GW WORKED WITH AMEX!!!

Should have asked them for a new card while you were at it Smiley Happy
Message 2 of 9
Anonymous
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Re: GW WORKED WITH AMEX!!!

Well I sorta did. I told them that I knew about the Oasis program. However, I had spent about 20 calls and no one knew how to get me on it. I loaded it with how I would like to get back in their good graces and blah blah blah. So who knows. Maybe I'll get an Oasis offer too! Amex when they would call always came up on caller id as 000-000-0000. That's been on my phone a couple of times in the past few weeks, but never when I was home.
Message 3 of 9
honeybrook1
Regular Contributor

Re: GW WORKED WITH AMEX!!!

Congrats missgamecock!Smiley Happy  What address did you use to send your letter to AMEX? 

Starting Score: 718
Current Score: 718
Goal Score: 800


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Message 4 of 9
Anonymous
Not applicable

Re: GW WORKED WITH AMEX!!!

800-700-7619   M-F 9-5
 
You can try that number to inquire about Oasis.  Can't guarantee you'll get it.  Usually have to be solicited.  But you can try telling them you were promised it and poke around and see what they'll do for you.  Also if your balance was less than $1,000 when you defaulted, you're not eligible.
Message 5 of 9
honeybrook1
Regular Contributor

Re: GW WORKED WITH AMEX!!!

Thanks!  My balance was actually $1888.  This was paid off in 2002, I believe, but I moved, so I don't know if I was offered the chance to get an Oasis or not.  The TL is listed on my EX report as a positive one-it was deleted by accident by TU and they won't put it back on (my EQ doesn't report it at all!Smiley Sad).  I would love to have my AMEX reopened.  I will call them after the 1st.Smiley Happy

Starting Score: 718
Current Score: 718
Goal Score: 800


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Message 6 of 9
CreditDrama85
Established Contributor

Re: GW WORKED WITH AMEX!!!

i would like to know what your GW letter said and what kind of account you had with amex. i had 3 charge accounts. 2 were paid charge-offs and 1 still has a balance that i am paying on with the collection agency--i think its nationwide credit. blah.
 
i cant believe AMEX accepted your goodwill! how old were these accounts? please share!
Message 7 of 9
Anonymous
Not applicable

Re: GW WORKED WITH AMEX!!!

This was for the green card. I was late on it and got a collection call and immediately paid it before the 30 day window. AMEX, not the CA, reported it as a paid collection anyway. Smiley Sad It was a really nasty CA too, can't remember the name, but I reported the CA to the FTC and everything because the woman was abusive on the phone and harassing. She called my dh (AU on my account) and told him about MY account. Hung the phone up on me and immediately called my cell phone. It was awful. Anyway, the balance was $1835. I paid it off before the 30 day notice from the CA was up. I DV'd the CA. The CA never responded and it was listed as a collection on all three of my CRs.

This was last January. So I sent a GW letter to AMEX (the address listed on my CR in Florida). It was a first try letter. I explained that I had been in a serious car accident. That my insurance companies were fighting who would pay the bills (This is true). I have excellent health insurance and excellent no fault coverage. In NY, even if someone else is at fault, your no fault insurance covers it. Well Geico, decided to be jerks about it and started denying all medical claims. Well I still needed medical care and no one was paying. The drs and hospital refused to see me unless I paid up front. I hired a lawyer to sort out the mess. Eventually my health insurance agreed to pay because I am a federal employee and the contracts are written that way, however, the damage had been done. To make it even better, after all that and arranging for my health insurance to pay for surgery, Geico went ahead and paid the bill without notifying me. I still have a suit for that because there are bills they didn't cover. Anyway, I explained the gist of this in the letter.
 
I told them that I had been trying to get back into their good graces. It was bad enough that I had had a car totaled, went from a 0% loan on that to a new loan with interest (will be refinancing that within the month!), and had terrible trouble with all of this even two years later. It would be really nice of them to remove the tradeline. I had also said that I had been told that I was eligible for OASIS. However, after about 20 calls, no one could get me into the program. Any help that they could give would be very much appreciated. That sometimes bad things happen to good people and that's what happened with me.
 
THEY TOOK IT! I thought AMEX would be really hard to gw, but my letter worked on the first ttry. So I was really excited!
 
All of the above is absolutely true
Message 8 of 9
honeybrook1
Regular Contributor

Re: GW WORKED WITH AMEX!!!

Very helpful...again, Congrats on your good fortune!Smiley Happy

Starting Score: 718
Current Score: 718
Goal Score: 800


Take the FICO Fitness Challenge
Message 9 of 9
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