Delivered-To: tjphuhs@gmail.com Received: by 2002:a5d:4605:0:b0:435:ab39:4520 with SMTP id t5csp3563843wrq; Thu, 5 Feb 2026 09:29:01 -0800 (PST) X-Received: by 2002:a05:690c:883:b0:794:c6fa:1574 with SMTP id 00721157ae682-794fe6fe3a2mr75049297b3.22.1770312541756; Thu, 05 Feb 2026 09:29:01 -0800 (PST) ARC-Seal: i=1; a=rsa-sha256; t=1770312541; cv=none; d=google.com; s=arc-20240605; b=gOGoizdn4Nwh6UGu0O5EPH8+Y344c7F9TGkXuuoTy7qX2qW5RcFNtEDKw/4H1S/xiM XFQPh0+Oqse9ShC7y5RW5tcQskncIu6U1eXzbSGCGyUw2TNnhGjDHwSPApjGVjpeu6c/ XGwMJfPNMXo7kTZS/kd465pM8Yj3Vh1P4QXJkLRHV/FcZJm0CjiXj3pCQ/9koNQySV+j KA5RXU8ATq7omD1J+KbJhbOyVw70KknCPJ/wojw8uSXqAXdnI2aFhiK0YgwC3CTbVOcC igutq9Zx/5071MnVoFHhNCnZrPA8K97TkJEvL9CDKiRz1r43Fr5nqPHwinX02uacdNck xeUw== ARC-Message-Signature: i=1; a=rsa-sha256; c=relaxed/relaxed; d=google.com; s=arc-20240605; h=from:subject:reply-to:mime-version:date:message-id:to :content-transfer-encoding:dkim-signature; bh=+sTpzBo1jL8ZVexOujxzkURki2Idhp48NJNIXXYtDzc=; fh=9zP21OW67FFZD2VV42mGudo540Qp4aalMWxJB5kMYug=; b=RUTcOYBSc0I6UG6wOIjCSgSpZkoUz7IwePQy9Y4wF4dRjYDjYpfJZvvObCpnnt9xTu EdI2ZQaSeJW8yNwevdRtC3hk1s5Lj+c9+X9ZC+OgkJTBT7K4I59q805sTojgwO6AZGFG sewJUuLFLQF+GmJ2UQxvtpHvWNKzQlzobuXzTw0M1BmzEZgfKIIHWmejvDQR3KBVFTnh neHZfj7HpeYssW2SWqjS4ox4XnkvHjcD8iF54Qru6T+vkDUS0EnFX5UglNEXzZJiHj7E LU3TwfhToJDFhs5SxTH9ue8BHlNqJIQLjnL7vq6372RA8ag+66pfF/zsZB8eE5xQMHjZ 6B1Q==; dara=google.com ARC-Authentication-Results: i=1; mx.google.com; dkim=pass header.i=@welcome.americanexpress.com header.s=2000006650524 header.b=fTU5iyE2; spf=pass (google.com: domain of r_icn9422465331770628681215_1_c.americanexpress@welcome.americanexpress.com designates 139.71.11.9 as permitted sender) smtp.mailfrom=r_ICN9422465331770628681215_1_c.AmericanExpress@welcome.americanexpress.com; dmarc=pass (p=REJECT sp=REJECT dis=NONE) header.from=welcome.americanexpress.com Return-Path: Received: from extmta1ipc2.americanexpress.com (extmta1ipc2.americanexpress.com. [139.71.11.9]) by mx.google.com with ESMTPS id 00721157ae682-7952a2bee1csi1001997b3.198.2026.02.05.09.29.01 for (version=TLS1_3 cipher=TLS_AES_256_GCM_SHA384 bits=256/256); Thu, 05 Feb 2026 09:29:01 -0800 (PST) Received-SPF: pass (google.com: domain of r_icn9422465331770628681215_1_c.americanexpress@welcome.americanexpress.com designates 139.71.11.9 as permitted sender) client-ip=139.71.11.9; Authentication-Results: mx.google.com; dkim=pass header.i=@welcome.americanexpress.com header.s=2000006650524 header.b=fTU5iyE2; spf=pass (google.com: domain of r_icn9422465331770628681215_1_c.americanexpress@welcome.americanexpress.com designates 139.71.11.9 as permitted sender) smtp.mailfrom=r_ICN9422465331770628681215_1_c.AmericanExpress@welcome.americanexpress.com; dmarc=pass (p=REJECT sp=REJECT dis=NONE) header.from=welcome.americanexpress.com DKIM-Signature: v=1; a=rsa-sha256; d=welcome.americanexpress.com; s=2000006650524; c=relaxed/relaxed; q=dns/txt; i=@welcome.americanexpress.com; t=1770312540; h=From:Reply-To:Subject:Date:Message-ID:To:MIME-Version:Content-Type:Content-Transfer-Encoding; bh=+sTpzBo1jL8ZVexOujxzkURki2Idhp48NJNIXXYtDzc=; b=fTU5iyE2y9qV3XOBmHPxDGk4xvXMVa0gy5ibVMl4dGyYUEoIR/yWs385NSFXtCRx MZmgCSuPnw/cBWbRi798hMXMYGbdqTqJUnVMNzHHdmS1igxmGV6bHEeDcZh25ytW cqlQB32FTHV4vusC3rgZW2M0xJz4MIa2S4TNuz7RZLeJbn6JjAYCJd7ka6808Gfg 8dJb3Hj/pyv7W2JDEuE6NxIV9CePODGvj3aKMjLJsvk6ir7+Ax9mFv1+St7/JeeR rulGA4f+uC/aweQtGO11+pj6XeEI/VH70MCl9PHIcCspLmKeiCFIEzOFqVEREjRW unProGcVMyIT92V1BVZehg==; X-MSFBL: tn4s5qn3sOfEsO0jyVb0ByTEHm+OqZkuSWiy243u8F8=|eyJiIjoidHJhbnNhY3R pb25hbF80WDQ4IiwidHJhbnNtaXNzaW9uX2lkIjoiMTQ4NDg2MjQ0MTIwNDkxMjI iLCJyY3B0X21ldGEiOnsgImFtZXhfQ29tbXVuU3VialRleHQiOiAiPT9VVEYtOD9 CP1ZFbE5UMVJJV1NCQ1QxVlNSRVZCVlNCSlNTd2dhVzF3YjNKMFlXNTBJR055Wld ScGRDQnlaWEJ2Y25ScGJtY2dZV3hsY25RPT89IiwgImFtZXhfUmV0cnlSdWxlIjo gIkFFWFAiLCAiYW1leF9NZXNzYWdlQ2xhc3MiOiAidHJhbnNhY3Rpb25hbCIsICJ hbWV4X01lc3NhZ2VJRCI6ICI8cl9JQ045NDIyNDY1MzMxNzcwNjI4NjgxMjE1XzF fYy5TUEIwRllJMDkxLkFtZXJpY2FuRXhwcmVzc0B3ZWxjb21lLmFtZXJpY2FuZXh wcmVzcy5jb20+IiB9LCJ0ZW5hbnRfaWQiOiJrZXlzcGFjZV9kZWZhdWx0IiwidGV tcGxhdGVfdmVyc2lvbiI6IjAiLCJnIjoidHJhbnNhY3Rpb25hbCIsInNuaXBwZXR fY291bnQiOiIwIiwic3ViYWNjb3VudF9pZCI6IjAiLCJ0ZW1wbGF0ZV9jb250ZW5 0X3R5cGUiOiJpbmxpbmVfcGFydHNfd2l0aG91dF9zdWJzdGl0dXRpb25zIiwidGV tcGxhdGVfaWQiOiJ0ZW1wbGF0ZV8xNDg0ODYyNDQxMjA0OTEyMiIsInJjcHRfdGF ncyI6WyBdLCJyIjoidGpwaHVoc0BnbWFpbC5jb20iLCJjdXN0b21lcl9pZCI6IjE iLCJ1IjoiJXZjdHhfbWVzc3thbWV4X01lc3NhZ2VJRH0iLCJtZXNzYWdlX2lkIjo iMDAwMDVjZDM4NDY5MDJhMjIwZWQifQ== Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="UTF-8" To: tjphuhs@gmail.com Message-ID: <02.DE.41474.C53D4896@hpnplmomiw06> Date: Thu, 05 Feb 2026 10:29:00 -0700 MIME-Version: 1.0 Reply-To: AmericanExpress@welcome.americanexpress.com Subject: TIMOTHY BOURDEAU II, important credit reporting alert From: "American Express"
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Please take action right away.

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TIMOTHY BOURDEAU II

Ac= count ending: 631001

3D"Card

URGENT ACTION REQUIRED

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Credit Bureau Reporting Alert

<= /td>

Please make a payment to avoid being repo= rted past due to the credit bureaus.

Make a Payment
=

TIMOTHY, please note that your account is past due.

At American Express, we= =E2=80=99re committed to keeping you informed. If we do not receive the tot= al amount due on your statement for two or more consecutive billing periods= , your account will be reported as past due to the credit bureaus. This may= impact your credit report and score.

If you have already paid, thank you and please di= sregard this communication.

= =

Unable to Make a Payment=3F

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=

Know That You Have Options.

Our enhanced Financial Relief Program ma= y be right for you.

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Learn More Online
=

If you have disputed this account on your= credit report since your last statement date and, as a result, the account= is deleted from your credit report, we will no longer report the account t= o the consumer reporting agencies.

=

Easy Account Management

3D"Alternate

ONLINE: Pay your b= ills, monitor account activity, explore benefits, and more. Log in

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=3D"Alternate

MOBILE: With our AMEX Mobile App, you can access your account anywhere= you go. Download now

3D"Alternate
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PHONE: Call us anytime at 1-800-592-1160 and we can = assist you with making your payment.

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3D"Alternate
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Pri= vacy statement
=
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Your Card Member information is included above to help you reco= gnize this as a customer care e-mail from American Express. To learn more a= bout e-mail security or report a suspicious e-mail, please visit us at american= express.com/phishing. We kindly ask you not reply to this e-mail but in= stead contact us via Customer Care.

= =C2=A0

*American Express Financial= Relief Program Terms & Conditions:

=C2=A0

Program Overview

  • Eligible Card Members m= ay request to enroll in either the short-term payment plan or the long-term= payment plan of the American Express Financial Relief Program (the =E2=80= =9CProgram=E2=80=9D) by visiting amex.co/financialrelief or calling 1-866-703-416= 9. The short-term payment plan can provide relief benefits for 12 months fo= llowing enrollment and the long-term payment plan can provide relief benefi= ts for 48 months following enrollment. Please note that as of May 2, 2023, = the 36- and 60-month long-term payment plans are no longer available. We wi= ll determine your eligibility for the Program upon your request to enroll, = based on factors including delinquency status, prior enrollment in the Prog= ram or the balance on your Card account. After you exit the short-term paym= ent plan, your standard late fees and minimum due calculation will apply un= less we notify or have notified you of a change. After the Reduced APR Peri= od, your APR and annual membership fee, if any, will resume in accordance w= ith your Cardmember Agreement. For the short-term payment plan, the Reduced= APR Period is the 12 consecutive billing periods beginning with the billin= g period during which your account is enrolled in the Financial Relief Prog= ram.
  • After you complete= the long-term payment plan or exit early for any reason, your Card account= (s) will then be subject to the APR(s), fees, and minimum due calculation a= s described in your Cardmember Agreement.
  • Terms & conditions including program duration and el= igibility requirements are subject to change.

Program Relief Benefits

While enrolled in the Program, you will have access to the followi= ng benefits:

  • Your minimum mon= thly payment due may be reduced. The Program monthly payment amount will be= disclosed to you at enrollment.
  • Your Card account will be subject to a reduced APR for balances s= ubject to an interest rate, unless you have an APR that is lower than the P= rogram APR, in which case the lower APR will apply until that APR expires (= if that rate has an expiration).
  • We will waive any late payment fee(s), and any annual membership = fee(s).
  • For the short-t= erm payment plan only, you may be able to make purchases up to a reduced sp= ending limit, which will be disclosed to you following enrollment and may a= djust at any time during the Program. If, prior to enrollment, you are at o= r over your spending limit, you will not be able to make purchases until yo= u bring your balance below the limit. You will also not be able to make pur= chases if your account is cancelled, if any of your accounts or loans are p= ast due, or if a payment has been returned.

Program Requirements

In order to maintain all the benefits of the Program, you must comply w= ith the Program Terms, which will be communicated to you at enrollment and = which will include the requirements that:

  • Monthly Program Payments for your American Express Card and/or= Loan account(s) enrolled in the Program must be made in accordance with th= e terms of the Program.
  • If you do not make Monthly Program Payments by the following statement clo= sing date (on consecutive billing cycles) on any of your enrolled Card or L= oan account(s), you may be removed from the Program.

Program Limitations

Program limitations will be communicated to you during enrollme= nt, which will include the following:

  • If enrolled in the long-term payment plan, you will be unable to u= se your Card to make purchases while in the Program. However, once you comp= lete the program, spending privileges will be restored on any account(s) th= at are not canceled.
  • Yo= u may not have access to all Card benefits and features.

=E2=80=A0Impact on your Credit Score=

    <= li style=3D"margin:0 0 0 30px;text-align:left">Any reduction to your credit= limit, on enrollment into the Program, may have a negative impact on your = credit score.
  • If your a= ccount is reported to consumer credit bureaus and if you are enrolled in th= e long-term payment plan, we will inform the consumer credit bureaus that y= ou are participating in a payment plan, which will not directly impact your= credit score, but will be visible to other lenders.
  • If you do not comply with the Program terms a= nd you are being reported to the credit bureaus, we will report that status= , which may negatively impact your credit score.
  • If you are removed from the Program because you d= o not comply with the Program terms, your Card account(s) may be cancelled = which may impact your credit score.
  • If you're being reported to the credit bureaus, and make = your payments on time, your account will continue to be reported as current= if it's current now. If you make your Program payments on time and yo= ur account is currently past due, it may continue to be reported as past du= e but will not be reported any further past due.
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=C2=A9 2026 American Express. Al= l rights reserved.

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