struggling so hard
i manage to pay my bills
before they come dueToday was one of the worst days of my life. Rather than waking up to find a strange boy in my bed, I awoke to find that my accounts with
American Express were ruined. I have been an AMEX card holder since 1999. My first credit card was an American Express -- it was blue, awarded to me when I turned eighteen and loaded with a $14K credit line... and I haven't even graduated high school! How I got it was beyond me (and on my own at that), but hey, I wasn't about to complain for I now had corporate sponsorship.
Today things are a bit different.Now a college graduate, I'm barely pushing $500. When I signed onto my AMEX Online and discovered I had $200 available credit on my Blue account I had a fit for myself. You see, everyone in the house has American Express cards because of me. They are card holders under my accounts rather than I under theirs. So I went to collect the cards from everyone at four in the morning. This was before I realised what had happened. I thought they maxed out $20K, but no -- they lowered my credit line instead.
I still don't understand what happened, I only know the bits of information I learned from customer service reps and the credit agency. Come to find out, American Express conducted a review of my credit and Equifax told them that I had seriously delinquent accounts, too many accounts with balances and insufficient repayment history since delinquency. Taking Equifax's word as the Gospel, American Express took the following actions...

- Suspended Flexible Payment Option
- Suspended Sign & Travel

- Suspended Flexible Payment Option
- Suspended Sign & Travel

- Reduced My Line of Credit from $20,000 to $500

- Reduced My Line of Credit from $20,000 to $15,800
With this revelation, I clicked my way to the Equifax website to get a current copy of my credit report. After jumping thru some hoops I managed to print it out... all forty pages of it. What did I learn from my credit report? Well I have a bunch of credit cards I never use and should probably close. The closest thing I've come to
"Serious Delinquency" is two late payments last year after I graduated college, and they weren't even seriously delinquent, they were just late. The accounts with high balances are my student loans. I have no negative account history. I have no accounts past due. I have no bankruptcy history, and I have no collection agencies after me. With this information in hand, I proceeded to call back American Express. The man on the phone told me that I would have to call tomorrow because the department I needed was closed. A nervous wreck, I reluctantly went to bed.
The next day I called Equifax. The first woman I spoke to told me that on one account I made two late payments. I knew this. So I asked her... "Do you people consider two late payments "seriously delinquent?". She told me some bull shit about the credit card company making those decisions. I told her that I spoke to them and they told me that it was Equifax that told American Express I was seriously delinquent, so I pressed on. I asked, "Does my credit report look bad to you?? I made two late payments out of how many accounts?". She told me she couldn't answer that. I got angry and now wanted to know why it was that these people can tell American Express what ever the fuck it is they want but when the consumer calls back looking for answers they can't give them to me. She blabbed some shit that she couldn't answer that, and I demanded to know if there was someone there who could. She placed me on hold and returned to tell me there was not. She claims it's against the law for anyone there to comment on my credit report. Spineless bastards.
I called American Express Back. I told them what I found out from the credit agency. They told me I would have to send them a letter explaining my situation and copies of relevant information that supported my case. I told them I would fax it to them when I got home because I was at work at the time.
It was then that I found the section telling me that there was negative on my credit report and called Equifax back. This time I spoke to an import. I explained to him my problem and I asked him what was wrong with my credit report. Again he came back with two late payments. I explained to him that I was aware that I was late, however I was not seriously delinquent. He asked if I wanted an investigation into the problem. You bet your oriental ass mother fucker! Shit man, what is this, do they hire from the college drop-out pool? I then asked him, since my credit report indicated nothing negative on it, where do they get off telling American Express these things about me. I wanted to know where the corporate responsibility to the consumer was. He didn't understand, so I changed my question, "How can avoid you people in the future? How can I take my name out of your database??". He told me I couldn't and that upset me again, and I replied, "There must be a way to stop any future dealings with you people. You have a ridiculous power over people's lives that you wield like a child that's just found his father's gun. You take no responsibility for ruining people's lives." Again, he didn't understand. With that, I told him to do the damn investigation and I'd call back another day when I am in the mood to be irritated by stupid people yet again.
I am still not sure what is going on with this situation. Clearly I'm being punished for giving my family access to accounts under my name and for taking out loans so that I could go to school. Does American Express not give a damn that for six years I have never missed a payment and that I have been a faithful customer of theirs paying absurd fees so that I can benefit from the perks of the Gold and Platinum American Express cards? Shit, if I was some white trash, bill collecting, incestful, redneck asshole, do they honestly think I'm going to pay them to have their charge cards? The answer to that is a resounding no. Those trailer trash sons of bitches don't even want to pay late fees -- never mind an annual fee.
I will reclaim my good standing with American Express... Equifax, you've fucked with the wrong Chulo!