txsquirrel Posted April 22, 2007 Report Share Posted April 22, 2007 I had an amex account about 4 years ago that went late. I paid it off and recently realized that it was reported as a paid charge off. I didn't remember it being that late, and unfortunately I no longer have any of the paperwork of statements to see how late I was. I thought it was only 2 months behind max. Anyway, I've recently decided to tackle repairing my credit and attempted to send a goodwill letter to see if they would remove the derogatory listing. I got my response from them this week and they don't seem to willing to change the listing. Is trying to bend them to help me out a lost cause? Anyone else have any luck dealing with them? Link to comment Share on other sites More sharing options...
MadinKS Posted April 22, 2007 Report Share Posted April 22, 2007 They're finicky. I have disputed them since 2002 and just this last dispute on EX, they finally deleted. Still waiting on EQ and TU. It's worth a shot at dispute. Link to comment Share on other sites More sharing options...
txsquirrel Posted April 22, 2007 Author Report Share Posted April 22, 2007 So just keep trying with the Credit Agencies and skip trying to write letters Amex themselves. Thanks. Link to comment Share on other sites More sharing options...
andknapp Posted April 22, 2007 Report Share Posted April 22, 2007 how old is the account? mine was 2 years old and all i did was call them up and this very nice lady deleted it off my reports and mailed me a letter saying that it wouldn't be reinserted.angie Link to comment Share on other sites More sharing options...
MadinKS Posted April 22, 2007 Report Share Posted April 22, 2007 So just keep trying with the Credit Agencies and skip trying to write letters Amex themselves.I would. If they reject your other attempts at goodwill, just keep disputing every so often. Maybe 2-3 months apart. Use a different dispute each time though. Link to comment Share on other sites More sharing options...
txsquirrel Posted April 23, 2007 Author Report Share Posted April 23, 2007 The account will be four years old in August or September. On the report it is listed as paid charge off. Unfortunately I can't locate any of my other invoices. I think I stashed them somewhere after it was paid. I do know that I didn't pay a collection agency when the account was late. I even think that it was only a couple of months late, then paid in full. But I don't have any paper work to prove it. I just thought I'd give the goodwill letter a shot. I know that they remember all and feel intimidated arguing anything with them. I'll try the Credit agency route and see what happens. Link to comment Share on other sites More sharing options...
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