American Express Charge-off

[Anonymous]

I had an account that charged off in 2013 I paid it off the end of 2018 and was preaproved for a Hilton card end of June 2019.  I was offered the optima but decided to wait.

[BeEasyMark]

@Tq120

I assume the charged off account still stays on your credit report?

[sjt]

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@BeEasyMark wrote:

Hi,

I have an AMEX account that was charged-off and closed in 2015. I decided to call AMEX in 2016 to pay off the account. At the time, there was a collection agency (I think it was Nationwide) that I dealt with. I was put onto a 3-month payment program and was supposed to be sent an Optima application afterwards. After I paid off the account, I did not receive the application. This most likely happened because I was in between addresses just moving back into the country. The account is being reported on my TU and EX as shown below. Any suggestions on what I can do at this point? Nationwide doesn't seem to exist anymore. I tried calling for a reinstatement but they said I should just reapply for a card.

Thanks for any help!

American Express CLOSED

EQUIFAX TRANSUNION EXPERIANLast UpdatedPayment StatusWorst DelinquencyBalanceCredit Limit

–	10/2016	10/2016
–	Payment after charge off/collection	Paid account/was a charge-off
–	None Reported	Charge Off/Other Derog
–	$0	–
–	–	–

MORE DETAILS

EQUIFAX TRANSUNION EXPERIANClosed DateOpen DateLast ActivityTerms

–	08/12/2013	–
–	08/2002	08/2002
–	–	–
–	–	1 Month

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Call the Amex Global Collection Department at 800-921-6490 or 800-700-7619