My father applied for an American Express green card and also requested one for myself. He received his card but mine was denied because American Express says I have a past balance with them from 15 years ago (1990). I told the representative that was taken care of through a bankruptcy. He said that American Express was not able to issue a card not even under my father's credit because of this outstanding debt. I think American Express is being unfair and I don't believe that under the Fair Credit Reporting Act they can deny credit to me under my father's account because of my prior bankruptcy over 15 years ago. I am not sure what to do.
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