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Valued Contributor
Posts: 3,001
Registered: ‎02-09-2012
0

Re: Amex Backdating

Wish I could tell you.

 

I had a paid collections with Amex from 06'.  I GW'd them, and they removed the entire TL.

 

When I log in, it says member since 2006.  My Zync says '12.

 

It's been over 2 months now, and they've not reported to any CR.  I'm actually beginning to think they won't, for whatever their reason may be.

5/2012: 560 credit scores across the board
12/2014: 750+ scores across the board
Get those baddies removed!!!
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: Amex Backdating

Thanks for all of the advice. I think I will give it a few months before I think about poking the bear. I haven't received the card yet but it still says member since 2012 when I log in.


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
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: Amex Backdating

Any help would be greatly appreciated. I'm still trying to figure out if I should try to get Amex to backdate my account to 1993. It was an unpaid CO from 2001. Just got approved last week and my Zync and Gold card arrived yesterday with  the "member since 2012". It also says 2012 when I log in. Would love to here different members advice. I read the old posts on this issue but I am still unsure on what to do. Thanks in advance!


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
Blogger
Posts: 2,876
Registered: ‎02-02-2012
0

Re: Amex Backdating

Don't poke the bear, yet.

Same as some of the advice from five days ago.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: Amex Backdating

Thanks FrugalRican! All I can keep thinking about is the possibility of 19 years of account age on two cards. What impact that would have on my scores.


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
Frequent Contributor
Posts: 284
Registered: ‎07-29-2012
0

Re: Amex Backdating

I had a BK back in 2004 with Green Card owed about $300-500 and just applied this month for Amex Sky card and my card says 2012 but online member said 1999, so i gave them a call and getting new card in the mail in few days with old year 1999.

 

I'm also AU on another card from 2 months ago that one says 2012, I'm pretty sure i can call and have it switched to 1999 but not sure if it worth it ?

Lots of cards and counting !!
Las Vegas REALTOR
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Amex Backdating

I had an unpaid CO from 1991. Last year they sent me an offer to apply for a Green card, and they approved me. I know for certain that they were aware of the CO, but they approved me anyway. When I logged in for the first time, it showed my Member Since date as 1987.

 

Congrats on the approval and getting back in!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: Amex Backdating

Update: Decided to poke the bear. Called in to Amex this afternoon and they had a record of my 1993 account. Both my Zync and Gold are being shipped out with the member since 1993.  And the credit bureaus should be updated with the new account opening dates. I did not get any questions as to the unpaid CO. Here's to 19 years of backdating and many thanks to American Express for giving me a second chance!


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
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Amex Backdating

Congratulations! Did you call the regular number or executive offices? I need to do the same for my 1999 account.



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: Amex Backdating

I called the number on the back of my Gold Card and she said that my card would go right out but that I'd have to call Zync myself. Suspicious right? When I called the Zync number she gave me I spoke to Richard and he was awesome. He said that if he sent me another card it would still say 2012. He put me on hold and foaccount old account and updated both my Gold and Zync card. He said that the CRAs should be updated during the next reporting and that I should receive my card in 9-10 business days. He even asked if I wanted the cards to read "1993" or "93". I went with "93" since that was how it was listed on my Green card which I still have. I'll update once I receive the cards and they are reporting correctly.


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

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