Can someone please explain if I understand the whole point of Amex backdating correctly - I had Amex Business card (from the company) back in 2011, but it is not reported on any of my personal reports.
In August 2012 I applied for BCE and got approved with $2k. Then I got 3xCLI 2 months later, so now my CL is $6k.
If I look at my EX report entry (picture inserted below), I see that "Date opened" for this card is stated as 08/2011 instead of 08/2012 (when it was actually opened).
Is this the whole idea of Amex backdating or do I miss something here? (maybe, because I had Business card in 2011, not the personal one). (highlighted area at the top left hand side)
What I don't understand is why this is taken into account at all, if by the payment history it is clearly visible (e.g. during the manual review or CR) that the card is actually opened in 2012, but not in 2011? It is also visible by the credit limit history (highlighted area at the bottom). Does it actually play a role anywhere (except for maybe score calculation)?
Thanks
Yes this is correct, your Date Open is when you actually became a member with AMEX and the Dated Reported is correct because thats the date you were approved for the CC. As a manual review of your CR a lender will look at it your payment history or Reported Since. AAOA if factored from Dated Opened and most most cases Opened and Sinced are the same date. I hope I said it correctly 
