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The short length of time you have been on file with a consumer reporting agency, in relation to your overall credit profile.
I have several other major credit cards and always pay them on time and in full every month.
I used my AMEX for monthly, automated payments and was surprised when a payment came back declined. I checked my mail that day and happened to find a letter from AMEX stating (which by the way was dated on January 13, 2009): "Dear (Name): We are writing to inform you that, after a recent review, your American Express account listed above has been canceled.
You have been past due on an American Express account in the last 12 months. Our cancellation of your account under these circumstances may result in negative reporting of this account to the consumer reporting agencies.
Your account was reviewed using a consumer credit scoring system that evaluated the information in your file at the consumer reporting agency named below. Additionally, if you do not pay your account in a timely manner, your account may be referred to a collection agency." Now you can imagine how upset I was.
I therefore panicked and thought I had been a victim of identity theft and asked to see if there were any other accounts open in my name.
The representative established that there weren't and he also confirmed that I had no past due balance on my AMEX account... He also stated that my credit was excellent and that he would try reinstating my account, which of course was denied.
I quickly went and pulled up my Experian credit report, because the representative said that AMEX had obtained all this information through them. I have a 728 credit score, no balances unpaid, no delinquencies, no NOTHING.
AMEX also stated that they closed my account because I had opened too many recent accounts...
which is funny because my AMEX Blue card was the last credit card I ever opened... This entire experience was completely unbelievable. First, they cancelled my credit card without notice, which resulted in unpaid accounts with other services I used auto pay for with my AMEX.