Reply
Valued Contributor
Posts: 1,550
Registered: ‎11-10-2012
0

Re: AMEX BCE Backdate

Congrats on your backdating!

 photo Logo - Credit Card Collection - Data Inclusive_zpsjyxek8jr.jpg
Frequent Contributor
Posts: 471
Registered: ‎03-29-2011
0

Re: AMEX BCE Backdate

If you know you are going to apply for another Amex I wouldn't wait until January just for the small increase in AAoA. Depending on the number of accounts you have in your file, your AAoA won't likely benefit more than a month or two. Since AAoA is rounded down to the next whole year, you would only experience this benefit, if any, for one or two months out of the year. But, by waiting six months for a HP will put off the impact of that HP. I much rather have a lower AAoA in February '14 with a seven month old Inquiry, than a slightly higher AAoA with a fresh Inquiry.

________________________________________________________________________________
Senior Contributor
Posts: 4,690
Registered: ‎02-23-2011
0

Re: AMEX BCE Backdate


OhioCPA wrote:
But, by waiting six months for a HP will put off the impact of that HP. I much rather have a lower AAoA in February '14 with a seven month old Inquiry, than a slightly higher AAoA with a fresh Inquiry.

 

Excellent point!  Something I had never considered in my analysis, but will now.

Established Contributor
Posts: 574
Registered: ‎06-04-2012
0

Re: AMEX BCE Backdate

Congrats!

 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Contributor
Posts: 175
Registered: ‎06-28-2013
0

Re: AMEX BCE Backdate

I would have never thought of it like that. Good point! Too bad I already applied and got approved for the PRG. :smileysad:

Starting Score: 620
Current Score: EQ: 723 TU: 714 EX: 759 (Amex 6/28)
Goal Score: 750
Regular Contributor
Posts: 213
Registered: ‎08-15-2012
0

Re: AMEX BCE Backdate

I was approved today for the BCE card but had an Amex in 1990-91 would be sweet if they backdated for me some 22 years.

Contributor
Posts: 89
Registered: ‎01-07-2014
0

Re: AMEX BCE Backdate

When you log in online, it should say on top, member since.... 

 

Wait it until you get the card in the mail to see what it was listed.

 

i was approved for two amex cards, and initially it said 2014, however a few days later, it did change over to member since 2006.

Frequent Contributor
Posts: 399
Registered: ‎11-13-2013
0

Re: AMEX BCE Backdate


brindle26 wrote:

I was approved today for the BCE card but had an Amex in 1990-91 would be sweet if they backdated for me some 22 years.


As long as you the primary on the card or the AU started in 90-91 and the card was issued by Amex and not say, BOA Amex, then it backdates.  I had to call to my two Amex's backdated to 1988 but all it took was a phone call.  Congrats.


Current myFico EX 734, EQ 777, TU 742
AAoA 6 years 3 months, Length 25 years 2 months

Regular Contributor
Posts: 213
Registered: ‎08-15-2012
0

Re: AMEX BCE Backdate

When I talked to the CSR he said they had no record of me fron the 80' and 90's. It was my personal card from Amex. I sent a secure message yesterday requestion an accurate member since date, haven't heard from them yet. Don't see anywhere to get messages from them either.

Regular Contributor
Posts: 213
Registered: ‎08-15-2012
0

Re: AMEX BCE Backdate

Response to my request to correct the member since date,

I've submitted this request for review and rectification. If approved, you will receive your new Card in 9 - 12 business days.

 

So far I'm liking Amex. One year ago I applied for CapOne and Applied secured cards

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.