Amex Backdating Rules changed ?

[newUser0]

I see amex backdated only for EQ Report and

my EX and TU shows the real open date? Why?

[from500to700]

Sometimes EQ reports faster give it sometime

[newUser0]

Oh Ok thanks.

[Gunnar419]

Yep, when Amex backdates, it backdates on your account, period. The backdate is the backdate. The only question is how quickly the CRs get the message, and that's always a mystery.

[newUser0]

Till now I was under impression that, As soon as Amex reports my second card, CB will note the "backdated date"

But it looks like, There is a second report update needs to happen on my CB, during which the dates are properly backdated.

[Revelate]

That's wierd: my own backdated Amex reports the backdated open date, but no payment history for the 1 year's time on the backdate; as I have understood it from other posters, that is how it is supposed to report.

Think you got lucky on EQ my friend, the other two have it correct.

[newUser0]

But what is it showing for you in the blank boxes. Does it show No Data or Empty box?

[Revelate]

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@newUser0 wrote:

But what is it showing for you in the blank boxes. Does it show No Data or Empty box?

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Depends on the report I look at, I haven't pulled my reports from annualcreditreport.com in a while since I was saving them for pre-mortgage, but I have a couple of third party reports saved off and it's just blank, then OK's from when there were statements generated and paid which follow the real open date; however, the account opened entry has the backdate listed.

[DaveSignal]

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@Revelate wrote:

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@newUser0 wrote:

But what is it showing for you in the blank boxes. Does it show No Data or Empty box?

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Depends on the report I look at, I haven't pulled my reports from annualcreditreport.com in a while since I was saving them for pre-mortgage, but I have a couple of third party reports saved off and it's just blank, then OK's from when there were statements generated and paid which follow the real open date; however, the account opened entry has the backdate listed.

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+1.  They aren't going to just fill in payment history for dates you didn't even have the card.  Check the open date on your credit reports to verify backdating.

[newUser0]

Interesting. Even for me the Account Open Date has been backdated on all reports. But only EQ shows OK for statements.

I expected it to show, ND in that.. I just hope they taken care of this in AoA Calculation for all of us.

FYI - For free reports, out of the blue experian sent me a free code in mail, for all 3 CB FREE report

Not sure, if they have sent this to all of them. I do not had any account with them, except I registered for Target Free Monitoring service.