Hello yet yet yet again (geez, I've posted alot today) lol: I just got off the phone with Citi's reconsideration (recon) department (sorry, USMC here), and the lady was extraordinarily pleasant AND helpful. Here's what she told me: Collections and/or charge-offs need to reflect a paid status. If they are "unpaid", then they cannot over ride them, but "paid" collections and/or chargeofs can be overridden. I've still got one left to pay (small amount, $208), so I'll deal with that, let my credit build somewhat, and perhaps apply next year around this time. A. J.
hmm. there must be more than this, like account age, because i had a bit of unpaid ones when i got my first AA card. They were all 96 or older in date.
Actually, that's when that one account is from, 7/96. I don't know of any others, other than my unpaid judgement, which is in limbo (class action against the company), and is a year later. Either way, I plan on just sitting tight for a while.
I just got a $3000 AAdvantage card (not as much as everyone else, I know) and Equifax reports a judgment and collection from 1996.
Congratulations RICHGUY,now you could go back and apply for another AA card and they will probably give you an additional 5000-7000 account?
