Amex Issue - What is best to do?

[BobbyJ]

The account number on the Amex account reporting is an old account number and does not match even close the my PR Gold or my Zync accts.

[BobbyJ]

Hey Linson,  I just found this info on the internet about that account number.  Maybe Amex reports a different number string to the CRAs.

**Did the number they give you start with 37? ALL AMEX cards start with a 37, so if they gave you 3499 that is not a real number. You will become very familiar with the 3499 number because they use a separate internal number starting 3499 on statements (hidden in code) and to report to the bureaus. That is the only thing I can think of as to why it didn't work.**

Another possibilty is that AMEX uses two different CID #'s. On the back of the cards there is the traditional 3 digit CID and on the front there is a 4 digit code. I believe the 4 digit code on the front is internal (you will need it to register the card on AMEX's website for account online). I don't think a merchant has ever wanted the 4 digit code but I could be mistaken? Best to let it be for now and wait to get the card. I wouldn't be concerned if you don't have an email from Amex or a phone message.

[Anonymous]

Do you know if it matches the old account? The account numbers on my credit reports don't match what's on the cards.

[Anonymous]

Beat me  to it 

[pizzadude]

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@BobbyJ wrote:

The account number on the Amex account reporting is an old account number and does not match even close the my PR Gold or my Zync accts.

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The AMEX "account number" that shows on your credit report is a completely different number than your actual AMEX account number.   They report their own internal number, not the account number on your card.   

I'm not saying that the one account showing isn't your old CO AMEX, just don't go by the account number that shows on your report.

[RyVision]

Pizzadude (and probably others I may have missed) is right on that.  The "account" number showing on your CR for AMEX is not the AMEX account number, it's AMEX's reference number for that account for credit reporting purposes only and will not bring up your history through a CSR (if anyone is wondering and is thinking of using it for backdating).

BobbyJ;  My old AMEX from 1989 that I closed in 91ish reported on my CR's on and off for years (each report showing it, then not, back and forth etc) before I re-joined through ZYNC.   It's VERY normal for AMEX to report old closed TL's LONG (if not forever) sporadically to the CRAs.  No reason to worry about it or call, take the positive effect it brings and DO NOT TOUCH.  

The above "DO NOT TOUCH" is for anyone noticing this. It is not an issue, it's very normal, in many cases it will probably continue to report after your death.

[BobbyJ]

Thanks RyVision and Pizzadude.  I am glad I asked before calling Amex.!! Very happy to have at least one of my 2 cards finally report. Hopefully the second one will report in a few days.  CASE CLOSED!!!!!   :-)