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?? About Amex backdating??

Valued Contributor

Re: ?? About Amex backdating??

Each account will be dated to the month it was opened and the year your first became a member.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Message 11 of 27
Established Contributor

Re: ?? About Amex backdating??

I haven't received my BCE yet but the other 2 cards are reporting 1993.

What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Message 12 of 27
Established Contributor

Re: ?? About Amex backdating??

I dont want to take a chance that maybe I alarm them to something and they change it back to 2012...I had heard that AU accounts wont back date on Amex accounts.....Not sure on what I should do.....


Message 13 of 27
Established Contributor

Re: ?? About Amex backdating??


amercnchopz34 wrote:

I dont want to take a chance that maybe I alarm them to something and they change it back to 2012...I had heard that AU accounts wont back date on Amex accounts.....Not sure on what I should do.....


If you're worried about it, just leave them as they are for now.  Mine did the same thing - accounts backdated to 2006 on my CRA and online, but the card said 2012.  It doesn't really matter what the card has on it, as long as the others are correct.

 

And yes, I would probably leave them alone if it were me, since Amex has gotten weird about backdating additional card members.  Maybe you could wait a few months until everything has reported for  a while, then you could ask for cards with the correct date (just suppositioning here).

 

Oh yeah, congrats on the backdate X 3!  Smiley Happy 


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 14 of 27
Established Contributor

Re: ?? About Amex backdating??


TNTransplant wrote:

amercnchopz34 wrote:

I dont want to take a chance that maybe I alarm them to something and they change it back to 2012...I had heard that AU accounts wont back date on Amex accounts.....Not sure on what I should do.....


If you're worried about it, just leave them as they are for now.  Mine did the same thing - accounts backdated to 2006 on my CRA and online, but the card said 2012.  It doesn't really matter what the card has on it, as long as the others are correct.

 

And yes, I would probably leave them alone if it were me, since Amex has gotten weird about backdating additional card members.  Maybe you could wait a few months until everything has reported for  a while, then you could ask for cards with the correct date (just suppositioning here).

 

Oh yeah, congrats on the backdate X 3!  Smiley Happy 


thanks TNT.....I was shocked to see that online.....is there a chance if I leave it alone that maybe it does not report to 1996 on my CR???


Message 15 of 27
Established Contributor

Re: ?? About Amex backdating??


amercnchopz34 wrote:

TNTransplant wrote:

amercnchopz34 wrote:

I dont want to take a chance that maybe I alarm them to something and they change it back to 2012...I had heard that AU accounts wont back date on Amex accounts.....Not sure on what I should do.....


If you're worried about it, just leave them as they are for now.  Mine did the same thing - accounts backdated to 2006 on my CRA and online, but the card said 2012.  It doesn't really matter what the card has on it, as long as the others are correct.

 

And yes, I would probably leave them alone if it were me, since Amex has gotten weird about backdating additional card members.  Maybe you could wait a few months until everything has reported for  a while, then you could ask for cards with the correct date (just suppositioning here).

 

Oh yeah, congrats on the backdate X 3!  Smiley Happy 


thanks TNT.....I was shocked to see that online.....is there a chance if I leave it alone that maybe it does not report to 1996 on my CR???


Nope, I think you're fine right now and will get the backdate.  The "Member Since" date on your online account is what reports to the CRA.  They do not go by the date on the card.  


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 16 of 27
Established Contributor

Re: ?? About Amex backdating??

thanks.........i appreciate the info


Message 17 of 27
Valued Contributor

Re: ?? About Amex backdating??

Yes that's correct every new Amex you apply for should read opened since 96 so that's 3 accounts with 17 years of backdating each.

If you waited until jan it would've been 18 years
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Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


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Amex Zync(Unicorn)
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Message 18 of 27
Established Contributor

Re: ?? About Amex backdating??


creditnocash wrote:
Yes that's correct every new Amex you apply for should read opened since 96 so that's 3 accounts with 17 years of backdating each.

If you waited until jan it would've been 18 years


amex green wont help me with backdating right...does not report a balance right??


Message 19 of 27
Established Contributor

Re: ?? About Amex backdating??


amercnchopz34 wrote:

creditnocash wrote:
Yes that's correct every new Amex you apply for should read opened since 96 so that's 3 accounts with 17 years of backdating each.

If you waited until jan it would've been 18 years


amex green wont help me with backdating right...does not report a balance right??


Nope.  Your green card will still get the backdate.  And, it will still report a balance if you've not PIF before your statement cuts.  However, in most FICO models the balance won't be calculated as part of your overall utilization.


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 20 of 27