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Reply to "Credit record dinged because of Am Ex...what would you do?"
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[quote=Anonymous][quote=Anonymous]File an appeal with the credit bureau. If you point out that you ham not used the card in x months, and therefore were not expecting a statement, perhaps they will expunge it. [/quote] Doesn't work that way. It's unfortunate that so many people are still operating off of erroneous myths when it comes to credit scores and reporting. They report accurate information. It hurts like hell when a derog hits, but if it's your fault there's only a few avenues of recourse and none are guaranteed. [/quote]
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