Reply
New Contributor
Brandnick
Posts: 85
Registered: ‎11-07-2012
0

Amex Stars Alignment

As they say "happy happy happy"

 

I app Amex on 11/18/12 and was approved for $4400 CL. I received my card on the 11/25/12 and looked on my card and noticed that the since member date was 12(2012). which was fine as I never hard a personally Amex before. 

 

However this is where it get interesting, I login online today and noticed my member since date changed to 05 yes 2005 I was surprise and started to think if this was some error because I never had a personal Amex before. So I called Amex to find out and was told that it's because of my membership date of 2005 from my corporate card. 

 

I said to the rep at Amex I will take it and he laughed and said he would send out a new card since the present card I have now is showing 12 (2012)

 

I did also app discover card the sometime(11/18/12) as Amex and that is reporting on my reports and my score is 771 fico. I am not sure what SCORE to expect when Amex starts to report to the CA's with open date of 2005. I can only assume is more north than south. 

 

 

 

 

 

 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Frequent Contributor
TheConductor
Posts: 492
Registered: ‎07-24-2012
0

Re: Amex Stars Alignment

Congrats!

 

The surprise backdating is a nice bonus!

 

Whether your scores go north or south in the short term is going to depend on what the rest of your credit profile looks like.  You will definitely get a short term dip from the new inquiries and reduced AAoA, but depending on your situation that could be partially or fully offset by improved utilization.

 

In the long term, it can certainly do you nothing but good, especially since any future Amex apps will also backdate to 2005.

 

Enjoy those new cards, and use them wisely!!

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 670 (myFICO 9/8/14), EX 694 (Prosper 7/17/14) , TU 693 (WalMart 9/2/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Walmart (Store) $2.5k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
My Loans: Prosper $25k/36mo
My Business: Chase Ink VS $5k
New Contributor
Brandnick
Posts: 85
Registered: ‎11-07-2012
0

Re: Amex Stars Alignment

[ Edited ]

This is my December suprise 

 

I am loving Amex everyday with this open date of 05, 800 fico score is getting closer and closer. I will update you all once Amex starts to report to the CA and what happens to my score. 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Amex Stars Alignment

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
New Contributor
Brandnick
Posts: 85
Registered: ‎11-07-2012
0

Re: Amex Stars Alignment

Thanks 

 

Just did a simple AAOA calculation

 

 

- without Amex back dating my AOAA = 5.7 years

- with Amex back dating to 2005 my AAOA = 6.3 years

 

I am thinking now after doing my calculation above it's not much of a difference in AAOA "with it" to increase my score, but I will take it as its good enough to not see my score decrease due to reporting a new TL 11/12

  

 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

Re: Amex Stars Alignment

Congrats and a really nice surprise from Amexco :smileyhappy:


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Amex Stars Alignment

that's a nice surprise indeed :smileyhappy: 

I didn't realize corporate cards could do that


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
New Contributor
Brandnick
Posts: 85
Registered: ‎11-07-2012
0

Re: Amex Stars Alignment

Still Happy happy happy

 

Got my new replacement Amex BCE card with the 2005 date 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Moderator
09Lexie
Posts: 26,335
Registered: ‎09-13-2012
0

Re: Amex Stars Alignment


Brandnick wrote:

As they say "happy happy happy"

 

I app Amex on 11/18/12 and was approved for $4400 CL. I received my card on the 11/25/12 and looked on my card and noticed that the since member date was 12(2012). which was fine as I never hard a personally Amex before. 

 

However this is where it get interesting, I login online today and noticed my member since date changed to 05 yes 2005 I was surprise and started to think if this was some error because I never had a personal Amex before. So I called Amex to find out and was told that it's because of my membership date of 2005 from my corporate card. 

 

I said to the rep at Amex I will take it and he laughed and said he would send out a new card since the present card I have now is showing 12 (2012)

 

I did also app discover card the sometime(11/18/12) as Amex and that is reporting on my reports and my score is 771 fico. I am not sure what SCORE to expect when Amex starts to report to the CA's with open date of 2005. I can only assume is more north than south. 

 

 

 

 

 

 


Nice! Does the backdating using corporate card work if you were just an AU?  If yes, that would be wonderful! I was an AU on a corporate card back in 1997 for awhile before I left the company. 

New Contributor
Brandnick
Posts: 85
Registered: ‎11-07-2012
0

Re: Amex Stars Alignment

[ Edited ]

No sure of the details as I didn't want to push the issue , but I was told by the Amex rep the back dating was due to my corporate card I had in 2005 not sure if it was an error or actual fact that they back date for corporate cards but i will take and not complain  

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}