Reply
Super Contributor
CS800
Posts: 6,551
Registered: ‎04-07-2008
0

Re: AMEX Backdating...How long does it take?UPDATE

That's one of the reasons why I want to get an AMEX is to get the backdating that will increase my AAoA.

 

What's the % of FICO does AAoA count towards?

 

 




Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
0

Re: AMEX Backdating...How long does it take?UPDATE


CS800 wrote:

That's one of the reasons why I want to get an AMEX is to get the backdating that will increase my AAoA.

 

What's the % of FICO does AAoA count towards?

 

 


Yup!  I noticed each time I add the 14 year old AMEX account, it gives me an additional 168 months.  That raises my AAoAs each time. 

Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
0

Re: AMEX Backdating...How long does it take?UPDATE

My new card arrived today with the 1997 member since year.  :smileyvery-happy:

Regular Contributor
ficofox
Posts: 232
Registered: ‎02-07-2011
0

Re: AMEX Backdating...How long does it take?UPDATE


CS800 wrote:

That's one of the reasons why I want to get an AMEX is to get the backdating that will increase my AAoA.

 

What's the % of FICO does AAoA count towards?

 

 


Length of history includes three factors and makes up 15% of your overall score (3rd highest impacting factor).

 

  • Time since accounts opened
  • Time since accounts opened, by specific type of account
  • Time since account activity



Congrats, DI, on getting the card showing member since '97. Nice!

 

 


With FICO, time heals all wounds.

Take the FICO Fitness Challenge

Established Contributor
Guava
Posts: 767
Registered: ‎04-08-2011
0

Re: AMEX Backdating...How long does it take?UPDATE

Congrats DI!!!


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
0

Re: AMEX Backdating...How long does it take?UPDATE

With the new Blue Sky card in hand, I'm good to go.  I'll make my first purchase to pay for my USAA auto insurance.  :smileyvery-happy:  Made It Happen!!

Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: AMEX Backdating...How long does it take?UPDATE


silver0187 wrote:

Congrats DI!!!


+! !!!!! :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}