Reply
Highlighted
Frequent Contributor
Posts: 260
Registered: ‎08-29-2011
0

Re: Amex Backdating

I have been an AU since 1998 and got  my own Zync early May, got backdated (after I called in) and then I got my BCE in late May and it was also backdated automatically. Try again, they did it for me!


Starting Score Myfico EQ: 676 08/11/2011
Current Score: Amazon EQ Pull: 781 Walmart TU08: 782 AMEX EX Pull: 745 08/03/2014 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$18,000$9,500$5,000$5,000$5,500$8,000$5,300$9,000$5,500$4,200$1,900$4,000$1,600
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Amex Backdating

I would advise everyone to check their credit report to confirm backdating has occurred.

               LIMITS IN CARD DESCRIPTIONS
Frequent Contributor
Posts: 260
Registered: ‎08-29-2011
0

Re: Amex Backdating

Here's what mine looks like amex



Starting Score Myfico EQ: 676 08/11/2011
Current Score: Amazon EQ Pull: 781 Walmart TU08: 782 AMEX EX Pull: 745 08/03/2014 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$18,000$9,500$5,000$5,000$5,500$8,000$5,300$9,000$5,500$4,200$1,900$4,000$1,600
Contributor
Posts: 103
Registered: ‎05-17-2009
0

Re: Amex Backdating

Just got off the Phone , spoke to a very nice Csr Supervisor. She informed me that it should have been backdated to 1998, and they would contract the credit bureas. Told me it could take up to 60 days to reflect the correct date. And an FYI since Nov 21st of last year Amex will no longer backdate any AU accounts. Because I asked her about adding my GF to this account. I want to thank everyone for their imput, great group of  people on this forum.

 

The direct number for Amex Credit Reporting Issues  1-800-874-2717   M-F 8am-5pm

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Regular Contributor
Posts: 207
Registered: ‎07-07-2008
0

Re: Amex Backdating

Looks right.

 

  • After 2 statements, Equifax reports a clean 81 month history for backdated Amex. A manual reviewer cannot say when the account was really opened.  TU and EX show the actual history and manual reviewers can spot the difference. Still great for overall Credit/AAoA and scores etc for auto approvals Smiley Happy
  • Transunion always reports the exact month and day the account was "opened" in the Amex systems. This is also a handy way to know when you are eligible for the first CLI. If Account opened shows as XX/YY/ZZZZ in TU, 61day CLI date is XX+2/YY+1. Example your account opened date in TU says 6/15/1998,  first CLI eligible date is 08/16/2012. Another reason why opening Amex in January rocks.
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Amex Backdating


b71913 wrote:

Just got off the Phone , spoke to a very nice Csr Supervisor. She informed me that it should have been backdated to 1998, and they would contract the credit bureas. Told me it could take up to 60 days to reflect the correct date. And an FYI since Nov 21st of last year Amex will no longer backdate any AU accounts. Because I asked her about adding my GF to this account. I want to thank everyone for their imput, great group of  people on this forum.

 

The direct number for Amex Credit Reporting Issues  1-800-874-2717   M-F 8am-5pm


Do you mean AU accounts can't get backdated to original cardholder's member date?  Or do you mean AU accounts can't get backdated to their own member date?  Or both?

               LIMITS IN CARD DESCRIPTIONS
Contributor
Posts: 103
Registered: ‎05-17-2009
0

Re: Amex Backdating

As of  Novemeber 2011, all Au's will have the date they are issued , AMEX clearly stated no more backdating on AU. Hope this helps.

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Frequent Contributor
Posts: 281
Registered: ‎04-30-2008
0

Re: Amex Backdating


b71913 wrote:

\And an FYI since Nov 21st of last year Amex will no longer backdate any AU accounts. Because I asked her about adding my GF to this account. I want to thank everyone for their imput, great group of  people on this forum.

 

The direct number for Amex Credit Reporting Issues  1-800-874-2717   M-F 8am-5pm


This is YMMV, since I had my account backdated less than two months ago. Took all of five minutes on the phone.


myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09
Current Score: (WalMart FICO) TU 792 04.03.13 (Mortgage Lender - HP) EX 745 02.06.13 (Mortgage Lender - HP) EQ 771 02.06.13
Goal Score: 800+


Take the FICO Fitness Challenge
Contributor
Posts: 103
Registered: ‎05-17-2009
0

Re: Amex Backdating

You didnt get an Au backdated, It cannot be done,

CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)

TU ( MFICO 5/11/14) 812
EQ ( MFICO 5/11/14) 790
EX ( MFICO 5/11/14) 805

Frequent Contributor
Posts: 281
Registered: ‎04-30-2008
0

Re: Amex Backdating


b71913 wrote:

You didnt get an Au backdated, It cannot be done,


I was the authorized user on my sister's card back in '93, backdated my account two months ago...


myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09
Current Score: (WalMart FICO) TU 792 04.03.13 (Mortgage Lender - HP) EX 745 02.06.13 (Mortgage Lender - HP) EQ 771 02.06.13
Goal Score: 800+


Take the FICO Fitness Challenge
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.