Credit Card Center Advertiser Disclosure†
02-03-2008 04:47 PM
02-03-2008 05:37 PM - edited 02-03-2008 05:38 PM
concorduser wrote:Hi Cheddar, if it is still showing on EX, why dont you ask or dispute with EX and ask them if they can provide you complete account number. Once you have that then you can call Amex back and give them the number. I think you are in much better situation than you think you are.Yes, Amex will put the first date of the CC open with them. My Oasis had the date of 08. When I called them and asked them they changed it to 95 when I had my first card open. They also issued me a new Oasis card. Also when I got the Platinum the date of 1995 is on it too.Just call or talk to EX and ask them to give you the complete account number. Then call Amex with that account number.
02-03-2008 06:00 PM
02-03-2008 07:58 PM
02-04-2008 01:01 AM - edited 02-04-2008 01:04 AM
02-04-2008 06:36 AM
No, it doesn't show on TU or EQ. Only EX. Not sure why that is, or when and why it dropped off of TU and EQ, since this all happened before I was pulling reports on a regular basis.
Cheddar, you keep mentioning that the account shows up on your EX but does it show on TU? The reason I ask is in my experience with TU reports directly from the CRA, they always show the full account number. That is at least the case with the paper reports, but I'm not sure how it looks online because I'm locked out of their website.
But then you'd still have another problem (maybe) in that unlike the other issuers, Amex doesn't indicate your CC number on the CR but some other account number which is either scrambled or internal to their system.
So in the end, even if you get your TU report and the account is on there, you may still be out of luck because the account number may be worthless.
Message Edited by ChaoticKinesis on 02-04-2008 04:04 AM
04-15-2008 02:02 PM
04-15-2008 02:41 PM
I had a green Amex card, opened in 1989. Closed it a couple years later because of the annual fee, you know, young & it didn't matter then. Well, I was just approved for an Amex Delta SkyMiles card and got to thinking about my old card. Unfortunately, I threw out a fat envelope of ALL my old statements last fall, but GUESS WHAT! I found a carbon copy charge slip for a fancy restaurant I ate at back in 1989! Talk about cool beans I can't wait to get the card in the mail so I can call them to activate it!
04-15-2008 03:27 PM
04-15-2008 04:04 PM
Hmm...now I'm starting to re-consider getting an Amex. I had 3 Amex cards back beginning in 1988. I mismanaged them a little, but don't think I was ever more than 30 days late. The accounts were all closed back in the mid 90's, but still appear on my EX report with a clean status (no lates, etc..).Now my EX score is 785 and AMEX sends me pre-approvals all the time for Blue and Blue Sky, Green and Gold.If I get a new card and if it will report as opened in '88 it could be worth it....EX report lists acct history and average age as positive factors for me, while at the same time TU lists those as my only negative factors. Average age is now 6 years...a card from '88 could add a year or two (or more).
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.