Tuesday, April 03, 2007

Bankruptcy from 30 years ago hurting my credit still

Real live Human / to me / show details / Mar 4
Hi – I have perhaps the strangest question you have ever received. II filed for a bankruptcy in 1974 (32 years ago). I have been turned down for credit at American Express because they say I have a balance of over $2,000 left over from that bankruptcy. I was under the bankruptcy for almost 3 years and then came out from under it, made arrangements to pay each and every creditor off and did so. Unfortunately I do not have records to prove this as it happened 32 years ago. Today, credit is Excellent. I have had 2 – 30 day late’s in the last 10 years or more. Do you have any idea what I can do to get them to give me a credit card. I am unwilling to pay $2,000 to get a credit card and that is what they say I must do. I want this credit card because it is the only one you can use at our local Costco stores.

I am in the process of updating my free credit reports and have learned the importance of staying on top of it monthly and will be joining your service as soon as I do get it updated in the next 30-60 days. Any advice you can give me would be appreciated.
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Bo Majors
to Real Person show details Mar 4
2000 from 32 years ago is not supposed to happen
something else must be up
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Real Person / to me / show details / Mar 4
Hi maybe this is not supposed to happen but it has. I have not had credit with American Express since the bankruptcy in 1974. In fact that is the company that I felt forced me into bankruptcy 32 years ago. They have the date right when the bankruptcy was filed and absolutely say I cannot get a credit card unless I pay the outstanding balance. I apply for credit with them about every 2 months just for the heck of it and they always turn me down. When I inquire, they always give the same above reason. Is there anyway I can force the issue that they cannot turn me down simply based on a bankruptcy that is 32 years old. This is not a joke. I am totally sincere in this. I want the credit card so I can use it at Costco and I guess it is just sort of the principle of the whole thing. You are welcome to call me collect at 206-794-1996 if you have any questions. I am a 67 retired school teacher and have guarded my credit so strongly ever since that bankruptcy. I am completely sincere in asking you if there is anything I can do. It is the strangest thing I have ever run across. I have no credit card debt, own 2 homes and make over 60,000 a year and none of that seems to make any difference. Thanks for any info you can give that may help me. Donna
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Bo Majors / to Real Person / show details / Mar 4
That sounds right for getting credit with them
But the account is not on your report
So Ok I understand
If you want credit with them then pay them what you owe them fast and beg.

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