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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: AMEX backdating question


dddfresh wrote:
Do I need to make a large purchase and let it report somehow? Its my first charge card...ill do some searchin. Just rrally hoping for the backdating!!

What you need to do with this card is charge responsibly and PIF every month. It does not affect your overall util. on any FICO other than TU98 (what you get here). That score is more educational than anything.

 

I would run bills through it you normally pay. Don't get too loose with it, it is very easy to rack up a bill on it.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 390
Registered: ‎01-11-2013
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Re: AMEX backdating question

Thank you!

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Regular Contributor
Posts: 184
Registered: ‎02-12-2010
0

Re: AMEX backdating question

@dddfresh

Congrats on the green card. I bet they do backdate it, if they backdated mine(closes for 10+ years). It took a while for mine to change from 2013 to 2000.

Second I would call them about the BCE. I apped and was denied for the green in Jan, they gave "no credit score from experian" as the reason. Once the WF visa I also opened in Jan stared reporting I called and gave the CS rep the number on my denial letter. I told him experian was now reporting a score and asked to re app. I was approved and called back the next day and asked if they could use the same CR and submit an app for the delta sky miles gold. Findout the reason for the denial, it may be something easily fixed.

Starting Score: EQ 599, TU 577
Current Score: EQ 703 9/20/14(HI 741 on 5/13), TU 690 10/1/14 (HI 751 on 5/13), EX 700 10/1/14
Goal Score: 750+


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Frequent Contributor
Posts: 390
Registered: ‎01-11-2013
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Re: AMEX backdating question

I will keep my eyes out for the letter...or call before that! Thanks for the encouragement!

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Regular Contributor
Posts: 184
Registered: ‎02-12-2010
0

Re: AMEX backdating question

"I will keep my eyes out for the letter...or call before that! Thanks for the encouragement!"

They should send you and email with a link to the denial letter on the AMEX website, it has a "tracking number" that you can give to the CSR when you call.

Starting Score: EQ 599, TU 577
Current Score: EQ 703 9/20/14(HI 741 on 5/13), TU 690 10/1/14 (HI 751 on 5/13), EX 700 10/1/14
Goal Score: 750+


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