American Express Ruined my credit score Ft. Lauderdale , Florida

Hold on,

So what you are saying is that you went on a hardship program expecting to not have to make payments for "a few months" on an account and expected this to not have any impact on your credit report?

Your dumb and there was no ripoff.

So, to summarize...

You couldn't pay your credit card bill last Feb so you called Amex to let them know. Instead of living up to the monster-lender stereotype, they were pleasant and helped you out by setting you up on a "care program" which I assume is some sort of reduced minimum or deferred payment plan.

You then missed payments and as such, did not complete the alternative payment plan they offered. Then, you ignored billing statements that indicated your balance was overdue.

Now, though the balance was not paid within the agreed schedule and is still owed, you went out shopping for a mortgage to buy a second home and discovered that Amex is not helping you out by assisting you in maintaining a high credit score. 

Basically, not only are you unable to imagine why Amex is negatively reporting you, but you actually feel that you're the one being ripped off in this situation?

I see...

Here's the key to keep this from happening in the future. Pay at least the minimum balance due each month to avoid late & missed payment flags from hitting your credit report. If the company you owe is nice enough to offer alternative payment arrangements during a period of financial difficulty and you accept said arrangements, then live up to those arrangements instead of shopping around for second home mortgages. Finally, if you fail to pay said debt to the agreed schedule, try to understand that a negative mark on your credit is the added price you pay along with interest and fees. It is to be expected. 

There are many legitimate reports around here of people getting ripped off and IMO, this is not one of them.

I was not trying to finance to buy a second property. I was trying to refinance my primary property and pay them off.  I am a subcontractor who was owed by many contractors. I was in a cash flow problem. I was owed more than what I owed american express. Since I file this report I have almost paid them off. My complaint with them is that when I new I was going to miss my payment I was told by one department to Ignore the bill... just keep paying the schedual payment on their "Care Program". They said if I paid the schedual care payments it would not affect my credit rating. I was trying to warn others that was a LIE!!! Chuck, I find your statement about being dumb offensive. I was miss led by American Express. I am trying to warn others, that simple.    

Actually you had said, "Recently I went to apply for a mortgage on a house I was thinking of purchasing." and then later you said, "I needed to get the mortgage. I was planing to pay them off with this refinance."

Given your recent statements that deny your looking at another home, I have to assume that you're fibbing in either the original report or in your rebuttal. Heck, likely both. 

Now, because of your double-talk, any reader automatically thinks, 'Sure, they "told you" to "ignore" the bills...I can believe that as much as your claims of not looking for new digs...'

(You're not helping the contractor stereotype either, I can tell you that.)

As it now appears that either you aren't quite sure what actually happened or that you're prone to exaggerate and possibly even lie, you've essentially flushed away what little credibility you may have had.

This is the issue with reports of this nature, it makes all the legitimate ones out there that much harder to believe. Don't waste time here folks, there are folks on here with real problems to address.

Batman:

Your post was HILARIOUS and completely accurate! I appreciated and enjoyed your response.

dantheplumber:

Aww, I hurt your feelings...

Are you going to put another FAKE post about it? From seeing this post it seems like that is kinda your thing. You in NO WAY were "mislead".

When you go on those programs they are trying to help with your payments but it WILL affect your credit score.

Did you really expect to to not have to make payment and not have it affect your credit report?! That is ludicrous! That is a silly thought process!

PS. I really do not care if your offended. Maybe if you pay your bills then you wouldn't have posted on here and I wouldn't feel the need to tell you of your stupidity.