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Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
0

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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Established Contributor
Cageym
Posts: 507
Registered: ‎07-31-2012
0

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 $10K NFCU Sig Visa $25k Amex Zync NPSL Delta Gold $18k BCE $2k Citi Simplicity $5450 Priority Select Visa 5.9K Amazon Visa 4k CSP 5k
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
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: ?? About Amex backdating??

[ Edited ]

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.....


Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

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!  :smileyhappy: 


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

Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

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!  :smileyhappy: 


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???


Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

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!  :smileyhappy: 


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

Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: ?? About Amex backdating??

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


Valued Contributor
creditnocash
Posts: 2,223
Registered: ‎07-23-2012
0

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
Current: Discover Fico 689 8/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 2 TU 0 EX 0 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

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??


Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

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


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