Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
4 posts
Alwaysup81
 
Posts: 1
Joined: Tue Apr 05, 2011 1:25 pm
Location: NYC

Citi Amex not showing on credit report?

Postby Alwaysup81 » Wed Apr 06, 2011 11:54 am

Hi everybody,

Newbie here, please help. I'll try to keep this short. Before applying for a loan for a house, I tried to fix whatever was wrong on my credit report. My oldest cc, Citi Amex, was missing which dragged my credit score to below average.

After 6 months of back and forth with Citi card, this is the final response I received:

"After consulting with several ppl in several depts, asked for help in your favor, it is confirmed this account will 'never ever' be reported to the credit bureaus due to a fraud alert was reported in 2007. Usually, we'd close down the account but for some strange reasons, this account was not closed. Nothing can be changed and it will not be reported."

The card works just fine, I use it every month and pay my bills every month. The only problem is that it will "never ever" be reported to the credit bureaus. Now, I've already given up on the idea of this account being reported to all 3 credit bureaus and boost up my credit score as it should have been all along, so I can apply for a loan and give a house to my fiance as she deserves. If there's anyone out there know anyone or has happened to them, the same situation, please let me know and I will go buy lottery tonight. And, please let me know what happened afterwards? Did it get fixed or gave up?

Also, here comes the most important question. If this is true, does it mean that I can max out my card, not pay it back and it won't affect my credit at all? Would Citi not report this account until delinquent activities occur? My assumption is, if they will 'never ever' report this, then I don't need to pay my bills. After all, they can only keep on calling my phone (which I can easily change my #), or keep mailing me letters for collection (which I'll be gladly to receive and burn it in my fireplace to keep me warm during Winter).

Any help will be appreciated. Thank you all in advance


User avatar
Mogul of Pineapples
Centurion Member
Centurion Member
 
Posts: 1271
Joined: Sun Jun 01, 2008 11:32 pm
Location: Smogland

Postby Mogul of Pineapples » Mon Apr 11, 2011 3:34 pm

"After consulting with several ppl in several depts, asked for help in your favor, it is confirmed this account will 'never ever' be reported to the credit bureaus due to a fraud alert was reported in 2007. Usually, we'd close down the account but for some strange reasons, this account was not closed. Nothing can be changed and it will not be reported."


Their response doesn't make any sense. Why would a fraud alert cause the card to stop being reported? Is this the Citi "Professional" American Express because those are business cards and wouldn't be reported.

Also, here comes the most important question. If this is true, does it mean that I can max out my card, not pay it back and it won't affect my credit at all?


I don't think so, ha!
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

naomibatac
Platinum Member
Platinum Member
 
Posts: 57
Joined: Wed Sep 07, 2011 10:46 pm
Location: Philippines

Postby naomibatac » Thu Oct 06, 2011 12:09 am

Yes, if it is a business card, it will not be reported. If you are thinking of using it and not pay, that is a fraud and you will be penalized. If you think it will not help you build your credit, then close it once and for all and get a new card where you can build your score.
[size=60]I don't have any relationship to the credit cards or companies discussed here. I am solely a regular member of this forum with no direct financial rewards from this site. My opinions are solely mine.[/size]

A mom of 3 and currently living life, and working for credit card helpline, a company dedicated to helping people get out of credit card debt.

User avatar
PlatinumAMEX94
Centurion Member
Centurion Member
 
Posts: 321
Joined: Mon Jan 02, 2012 1:21 am
Location: Denver

Postby PlatinumAMEX94 » Sun Jan 08, 2012 1:33 am

You could call them up and tell them what you said, and see if they will change their mind. Tell them you are going to always pay that card late, and whenever you feel like it since they don't report it. LOL
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+



Return to “Credit Card Fraud”

Who is online

Users browsing this forum: No registered users and 0 guests