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Contributor
bman86
Posts: 175
Registered: ‎06-28-2013

AMEX BCE Backdate

I recently got the Amex BCE and I used to be a member back in '06 but that account has been closed for a while. I just logged in online and saw they updated my memeber since to 2006. How will this refect on my credit report? Will it backdate all the way back?


Starting Score: 620
Current Score: EQ: 723 TU: 714 EX: 759 (Amex 6/28)
Goal Score: 750
Established Contributor
zeusta20
Posts: 586
Registered: ‎02-22-2011

Re: AMEX BCE Backdate


bman86 wrote:

I recently got the Amex BCE and I used to be a member back in '06 but that account has been closed for a while. I just logged in online and saw they updated my memeber since to 2006. How will this refect on my credit report? Will it backdate all the way back?


Welcome to the forums!

 

Yes, it should backdate all the way back. Its when you FIRST became an amex customer. On your credit report, it will show that you've had the account open since 2006. So it definitely is good for your AAoA. Congrats on the BCE!

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Contributor
bman86
Posts: 175
Registered: ‎06-28-2013

Re: AMEX BCE Backdate

That is awesome! It will definitely be my oldest active account then. Thanks! I am so excited to back in with amex.


Starting Score: 620
Current Score: EQ: 723 TU: 714 EX: 759 (Amex 6/28)
Goal Score: 750
Frequent Contributor
GaTech
Posts: 374
Registered: ‎02-10-2013

Re: AMEX BCE Backdate

Congrats!!!
As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Contributor
bman86
Posts: 175
Registered: ‎06-28-2013

Re: AMEX BCE Backdate

Thank you! Would it be in my best interest to apply for one of their charge cards knowing that it was going to backdate again to '06 to help with my AAoA or is it not worth taking another inquiry? Right now EQ shows my AAoA at 3yr 9mo and CK shows it at 2yr 0mo.


Starting Score: 620
Current Score: EQ: 723 TU: 714 EX: 759 (Amex 6/28)
Goal Score: 750
Moderator
09Lexie
Posts: 24,583
Registered: ‎09-13-2012

Re: AMEX BCE Backdate

You could but you could also wait and get it in Jan. that way the new cc would be older than the BCE
Contributor
bman86
Posts: 175
Registered: ‎06-28-2013

Re: AMEX BCE Backdate

Okay, that makes sense. So you think that would be more benificial in the long run with respect to my credit scores?


Starting Score: 620
Current Score: EQ: 723 TU: 714 EX: 759 (Amex 6/28)
Goal Score: 750
Moderator
09Lexie
Posts: 24,583
Registered: ‎09-13-2012

Re: AMEX BCE Backdate

No, it shouldn't affect your score that much if at all. It's just one way of getting the most out of Amex backdating.
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Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

Re: AMEX BCE Backdate

Congrats glad it worked out for you Wooo Hooo

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Contributor
bman86
Posts: 175
Registered: ‎06-28-2013

Re: AMEX BCE Backdate

Thanks! Couldn't be happier, two accounts backdated to '06! I'm interested to see how my over all credit score is affected after they start reporting.


Starting Score: 620
Current Score: EQ: 723 TU: 714 EX: 759 (Amex 6/28)
Goal Score: 750

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