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Amex Backdating

Frequent Contributor

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!

Message 11 of 32
Valued Contributor

Re: Amex Backdating

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

               LIMITS IN CARD DESCRIPTIONS
Message 12 of 32
Frequent Contributor

Re: Amex Backdating

Here's what mine looks like amex


Message 13 of 32
Contributor

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

Message 14 of 32
Regular Contributor

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.
Message 15 of 32
Valued Contributor

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
Message 16 of 32
Contributor

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

Message 17 of 32
Frequent Contributor

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
Message 18 of 32
Contributor

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

Message 19 of 32
Highlighted
Frequent Contributor

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
Message 20 of 32