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

Super Contributor

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?

 

 




Message 91 of 97
Super Contributor

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. 

Message 92 of 97
Super Contributor

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

My new card arrived today with the 1997 member since year.  Smiley Very Happy

Message 93 of 97
Regular Contributor

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

Message 94 of 97
Established Contributor

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
Message 95 of 97
Super Contributor

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.  Smiley Very Happy  Made It Happen!!

Message 96 of 97
Moderator Emeritus

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


silver0187 wrote:

Congrats DI!!!


+! !!!!! Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
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Message 97 of 97