Amex and closing of acct based on Fico-Help!

[Anonymous]

Hello Everyone!
My current scores are TU774,EQ744 and EX654. I have a charge off for a rental that I consigned for that will be falling off my EX report in Oct that has been excluded from the other credit bureaus. (Reason for difference in scores). My concern is this..... I applied for 2 Amex cards and was approved last month (green card and BCE) however my EX score has considerably dropped since I applied. When I applied for the Amex cards that EX score was 674. I bought $89 on one of my cards the score dropped, then dropped again when I paid it. Amex I believe is only pulling that report and I am scared they will close the account before the Charge off roles off in Oct and my score has a chance to go up. Is there anyone that's had this experience and/or can tell me if they will give it "time". In October I anticipate that score will be well past 700 since I have no other baddies. Thank you for your help in advance!

[Anonymous]

I don't know much about Amex, but you can call EX and ask for an EE on that account.

[Anonymous]

They are killing me here. I tried it.... They won't budge until October. Maybe I'm doing it wrong, IDK! Thanks for your help!

[Anonymous]

Did you ask for a supervisor? I haven't had to deal with EE, but I've heard to ask for one and keep trying

[Anonymous]

I wouldn't worry too much about any AA from Amex. As long as you aren't running up to CL and are paying on time you should be fine. As for EX and EE's in Oct -- I have the same issue. Have called at least a half dozen times and talked to supervisors and they will not budge. I'm hearing this more and more about EX in the forum so I'm wondering if they are clamping down for some reason. Many of us are being told that the drop off date showing on our reports IS 3 months early.

[Anonymous]

Yeah, I asked for a supervisor, have called several times, rmduhon. I thhink what you said Getdat800 is probably accurate, they may not be doing it with such frequency anymore. Poor us!!!!!! They told me the same thing that the drop off date in my report included the 3 months EE. The other reports already dropped it off! How frustrating! This close to having clean reports!

[RonM21]

Hopefully they will not do anything. I'd try to just lay low and continue positive history reporting, especially for EXP. If it worries you too much, If even possible, do some things that might bring the score back up a bit like paying down utilization.

[Anonymous]

RM21, that's what's scaring me.... I only owe $40 across the board ... But good point. Not a good time to go on a shopping spree! Will take the advice! Thanks! I was so upset I almost went to Macy's for some shopping therapy!