I have an Amex and i noticed, while looking at my credit report about 8 mo. ago they have never reported to the CB, none of them. Well we filed 12/10 and they have already turned account over to CA, my question is can they report now to my CR the delinquencies or will they miss their chance?
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Is it a business Amex or personal? -
yes it was businessComment
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My Buisness Amex did not report to my personal report either. I stopped paying it and in about 4 months they charged it off. It now shows on my personal report as a charge off and that's it. No payment history, lates, nothing...just a charge off.
Oh, and they use Nationwide Credit for their collections and they will call at least 10 times a day!Comment
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Amex business doesn't usually report to a personal CR. It is one of the benefits of having biz credit, it will report on your Dunn report or a similar business credit sevice, but not usually on personal UNTIL you default, unless you did nt give a PG. But most AMex products require a PG. Once you default, bam!, on your personal CR.
Having business credit can be nice, because it is kind of like a "hidden" credit line, but it will report as derogatory if you mess up.Comment
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I haven't paid since august i believe, anyway still nothing on report and they did turn it over to United Recovery Services a CA but does that mean they charged it off?Comment
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I believe charge offs occur after 180 days of non payment.Comment
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probably been 120 at most, anyway hope they can't slam it more than it already is, lolComment
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