"internal" system @ AMEX? How do you get off their blacklist with out re-paying an old debt??<<there must be a way>> Had BK over Ten years a go, no way I am repaying back 30k just to get an AMEX. Their internal system must violate some law with respect to privacy and or credit reporting, even though they can't report it to External bureau, they are, in effect acting as a credit bureau by maintaining such a databsae. No other creditor does this.