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Does anyone have any experience with getting AMEX, Chase, or Citi to remove paid acccounts that have been charged off? Currently they are at close to 5 years aging, I was just wondering at what timeframe do you just let it age off. I see a lot of info around collection companies but not a ton on card companies.
Trying to get foot back in the door with AMEX and Chase. Accounts are paid so I dont think Im blacklisted (hopefully)
I do with Citi and Chase. I GW'd them both off, or I guess I did. I send GW after GW to the addresses on my CR, they kept saying 'NO", then they just disappeared.
Thanks for the advice.
BTW, congrats on the successful weekend for you
@Larkfield wrote:Thanks for the advice.
BTW, congrats on the successful weekend for you
Thank you.
@Larkfield wrote:Does anyone have any experience with getting AMEX, Chase, or Citi to remove paid acccounts that have been charged off? Currently they are at close to 5 years aging, I was just wondering at what timeframe do you just let it age off. I see a lot of info around collection companies but not a ton on card companies.
Trying to get foot back in the door with AMEX and Chase. Accounts are paid so I dont think Im blacklisted (hopefully)
Since the paid collections are almost 5 years old I dont think they have any impact on your scores. I bet if you did get them removed it might have a negative impact as it could reduce the AAOA.
I bet if you apply for an Amex charge you would be approved and get the benefit of backdating.
@sjt wrote:
@Larkfield wrote:Does anyone have any experience with getting AMEX, Chase, or Citi to remove paid acccounts that have been charged off? Currently they are at close to 5 years aging, I was just wondering at what timeframe do you just let it age off. I see a lot of info around collection companies but not a ton on card companies.
Trying to get foot back in the door with AMEX and Chase. Accounts are paid so I dont think Im blacklisted (hopefully)
Since the paid collections are almost 5 years old I dont think they have any impact on your scores. I bet if you did get them removed it might have a negative impact as it could reduce the AAOA.
I bet if you apply for an Amex charge you would be approved and get the benefit of backdating.
Paid or not. Charge Offs are major derogatories and can affect your score for 7 yrs.
@DaBears wrote:
@sjt wrote:
@Larkfield wrote:Does anyone have any experience with getting AMEX, Chase, or Citi to remove paid acccounts that have been charged off? Currently they are at close to 5 years aging, I was just wondering at what timeframe do you just let it age off. I see a lot of info around collection companies but not a ton on card companies.
Trying to get foot back in the door with AMEX and Chase. Accounts are paid so I dont think Im blacklisted (hopefully)
Since the paid collections are almost 5 years old I dont think they have any impact on your scores. I bet if you did get them removed it might have a negative impact as it could reduce the AAOA.
I bet if you apply for an Amex charge you would be approved and get the benefit of backdating.
Paid or not. Charge Offs are major derogatories and can affect your score for 7 yrs.
I should have written "they have a much less negative impact on your scores."