How does Amex feel about paid baddies?

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Drudai
Platinum Member
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Joined: Sun Dec 16, 2012 8:25 pm
Location: Illinois

How does Amex feel about paid baddies?

Postby Drudai » Sun Jan 05, 2014 10:28 am

So, after fighting with the insurance company about a bill, it getting to debt collectors, and settling for paying less than their original BS amount due, it is now "paid" on my report.

I eventually want an Amex charge card, since I like a few of the perks/deals they have and would like to have my foot in the door with them for bigger/better rewards cards one day. I Googled and searched within the forum, but the best I could find was 2+ years after the baddie was marked as paid, and don't even dare to try sooner. That's an ideal time since I've got all I need right now, but even that sounds very soon to me. I read a thread that said "The pug doesn't bite" and now I am too scared, :rolleyes: . No sense in ruining my image with them.

Anywho. Opinions on how long to wait it out?
[size=60]
Chase Freedom: $800
Chase Slate: $500
Discover It: $2000
Sears: $2000
US Bank: $500
AMEX BCE: $2000
[/size]


MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sun Jan 05, 2014 10:47 am

You won't "ruin your image" with them. But they are known to not like baddies and certainly not recent ones. 2 years seems awfully soon but I'm sure some manage that. I guess when yours gets beyond 2 years, if you can afford an inquiry, go for it. Then just repeat every 6 months to a year until approval.

Drudai
Platinum Member
Platinum Member
 
Posts: 55
Joined: Sun Dec 16, 2012 8:25 pm
Location: Illinois

Postby Drudai » Sun Jan 05, 2014 5:17 pm

Thank you. Good to keep in mind. Not ready for it yet anyway, but I wanted a time line in mind.

I thought 2 years sounded (relatively) recent too. I asked them to remove it from my credit report when I paid, but no such luck.
[size=60]

Chase Freedom: $800

Chase Slate: $500

Discover It: $2000

Sears: $2000

US Bank: $500

AMEX BCE: $2000

[/size]



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