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Amex Backdating

Established Contributor

Amex Backdating

Curious to know if anyone has been successful with getting Amex to backdate after regaining membership post unpaid CO.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 1 of 38
37 REPLIES
Super Contributor

Re: Amex Backdating

I think it depends on when and what amount your CO had occured.

 

I've read some cases where after 20 years, Amex has approved cards with a CO; whereas in other cases, even after 30 years, they still refuse to offer a card without the prior debt cleared.

Message 2 of 38
Member

Re: Amex Backdating

I had a CO in 2000, Opened A Zync card last month. It took a few days but when I logged in it says "Member Since 1999" It was close to $2000 charge off

Message 3 of 38
Established Contributor

Re: Amex Backdating

john75040, I'm in a similar situation. I just got approved on Thursday for the Zync. I haven't received the card yet but when I log in it says member since 2012 instead of 1993. Did you find that it took a while before it updated to your original member date or did you call Amex?

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 4 of 38
Mega Contributor

Re: Amex Backdating

@rtw did you have an unpaid balance with them before approval?



EQ FICO 548 3/3/16
Message 5 of 38
Established Contributor

Re: Amex Backdating

Yes. It was a charge off from around 2001.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 6 of 38
Mega Contributor

Re: Amex Backdating

I wouldn't push the backdating issue with them then. If they give to you that's awesome but don't poke the bear.



EQ FICO 548 3/3/16
Message 7 of 38
Frequent Contributor

Re: Amex Backdating


LS2982 wrote:
I wouldn't push the backdating issue with them then. If they give to you that's awesome but don't poke the bear.
I respectfully disagree, I'm sure that Amex is very aware of your past issues. If u call in to regular cs you can be tRansfered to the correct dept. if the first person isn't helpful ask for a supervisor, any time ive had an issue it's taken a supervisor who knew what they were doing to help.

Starting Score: 617 EQ 10-17-11
Current Score: EQ 767 TU 769 EX 749 (all FICO but who really knows?)
Goal Score: 800


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Message 8 of 38
Mega Contributor

Re: Amex Backdating

They may not be aware, I'm just saying if you value your relationship with AMEX I wouldn't push the issue right away, give it some time to gain good history.



EQ FICO 548 3/3/16
Message 9 of 38
Valued Member

Re: Amex Backdating

Re: Open123 "I think it depends on when and what amount your CO had occured."

 

This sounds most reasonable. AmEx seems to be cracking down on backdating.

 

In the past if you added an AU (authorized user), AmEx would report the date the account was opened for the AU the same as for the responsible cardholder. I called last week and they said they no longer do this, now they will report the opening date for the AU as the date they were added. I've had my AmEx for years, but in adding my fiancee, his opening date would report as July 2012 for example. I am still trying to investigate further. Has anyone had any very recent experience with this?

 

AmEx said it is still current policy to backdate the date of opening for new cards to the date of first AmEx activity. So if you had an AmEx card in 2000 and you open another in 2012, it will report as if you had opened the new card in 2000.

 

Also note the newest FICO algorithem only factors in AU benefits for those residing in the same household. Luckily most creditors aren't using this scoring model so AU tactics may still provide benefits to those not in the same household. I've been told to expect treatment of this issue to continue to evolve.

Message 10 of 38