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American Express Debt & Not Defaulting

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  • American Express Debt & Not Defaulting

    Good morning all,

    New here!, After much deliberation over asking for some advice I've finally worked up the courage to ask!

    I've 3 old debts with Amex, one for 700 which has defaulted, and two others for about 2300 which haven't defaulted.

    Last payment on all accounts was in June 2019, and I wanted to know how long Amex can hold out until they default the two other accounts?

    Of course, I want to pay them but they haven't been in touch to ask for payment since 2019. But I know if they keep recording it as a late payment and don't default them then they will never 'drop off' my credit report.

    Has anyone heard of this before? Thank you all so much in advance - it really is stressing me out!.
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