Credit History Problem: Make Amex fix or contact the credit companies?
Last year I applied for an Amex card. I forget why, but I ended up calling them about my application (I think it was to confirm I calculated my income the way they wanted me to). A week later I get two credit cards (oddly enough at different interest rates and credit limits). I called and said there is a mistake I only wanted 1 Amex card. They said our bad, and I threw the second on in the trash without ever doing the confirmation process that opens an account (I’ve never received any account statements or anything); but now according to my credit history I have two Amex cards open (one just says it has had no activity on it for a year). What do I do? Call Amex and say this is your fault fix it? Call the credit companies and say that account was never actually opened?



September 16th, 2009 at 10:29 am
I would leave it open, it lowers your Debt to Income Ratio, especially if you aren’t using it! If you close it you will see your credit score go down.