Is it possible to obtain an AMEX card with a short history and very old CO?

Dec 042010
 

So, this is a weird situation. Many many years ago (early 90s) I had an AMEX that was cancelled due to non-payment (college student, stupid, etc.). I left the country for a long time and have recently returned, but since I was gone for so long, my credit report shows that my oldest account was opened 10 months ago (BofA secured – $ 3k limit).

 

I have a mortgage with Wells Fargo (not yet reporting), an auto loan with Toyota Motor Credit (could have paid cash, but wanted to build my history), the BofA secured Visa, and a store card (Spiegel). All accounts are in good standing, no lates, with a credit utilization of 4%.

 

My scores as of today are:

TU – 690 (8 inquiries)

EQ – 692 (6 inquiries)

 

Most of the inquiries are related to obtaining a mortgage, though some are also from setting up life in the US (cellphone, utilities, etc.).

 

I’d like to be able to get back in with AMEX for various reasons, not least of which is that if approved, I might be able to get my account re-aged to the initial account’s opening date. I know I’m most probably on their blacklist. I haven’t heard from them in over 15 years and have no idea what the balance is. 

 

What is my best course of action? Do I apply for a card and then appeal/ask for Oasis when declined? Or do I call them directly, explain the situation, pay my outstanding balance and hope they approve me for a new card? Is there any hope for approval (after paying off the old debt) with my current credit profile?

 

 

 

I am going to ask another question regarding which CC should I add to my credit card profile to add to my rewards. I have excellent credit, pay my balance in full each month, and I use my CC to pay for everything I can to rack up points/miles etc.

I am at a point where I want to increase my points and miles so there are some options. The question is, what is too much. I basically share a VISA with my wife, and have an older VISA that i keep. I realize that you should keep older credit cards for history. I want to add at least one AM/EX either the Starwood points, or the Delta Miles. I also might switch our Cap1 card to the signature to get 2 points for every $ 1 spent, instead of 1.25 for $ 1. That is a new card, not a switch. And recently, I have received letters for UNITED miles (20,000 bonus) and AA Miles (21,000 Bonus). I would love to use those just to add to my miles on those flights. Could I add 3-4 cards without hurting my excellent credit? I will not rack up debt.

A collection that does not belong to me and how it will affect ability to obtain a card

Mar 062010
 

A week ago Thurday I had great looking credit–it the 700′s and no ugliness.  I applied for a credit card and I could see the inquiry that next day.  One week later, a collection that does not belong to me appeared on my credit report.  I contacted the creditor and collection agency and it is going to be removed/deleted; however, I am wondering–will the credit card company see this?  URGH!!! I have not applied for anything for so long. 

 

Suggestions please 

How do you obtain health insurance, for someone who is already in the hospital?

Feb 112010
 


Well, my friend was in hospital. Was in a car accident. He did not have insurance, but I would provide a sort of insurance policy for him. Most health insurance does not cover people who were in hospital. And he does not respond Medi – Cal. Therefore, there is other options, so that he can get his need for surgery?

How can I obtain a mortgage overseas while still living in the US?

Feb 052010
 


I would buy in Japan, invest in real estate and mortgage loans or the United States. If this is not possible, there is no country where I can find the mortgage of the property, while still living in foreign countries and the United States to work?

Is it possible to obtain a mortgage loan for a USA home from a foreign country?

Jan 262010
 


I wonder if there can be given by obtaining a lower rate loan mortgage rates, if coming from abroad? Do you have a website? Thank you! You may also have had the Sydney Financial Group is? I found this from another is a question posted before, I just want to know, this could really happen.

How can a Nationwide insurance agency discriminate aganist a breed of dog trying to obtain homeowners insuranc

Jan 212010
 


National Insurance is discriminatory 136.9 bull dogs, why not give quotes, or used to pay the owner of house insurance, if you have a bull dog. I hate bad owners, dog owners do a good bull and hardware good, this is ridiculous! ! There are other insurance agencies to do illegal acts do? ? ?