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Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

Amex Zync Backdating

I received my new card and it had Member since 2012.

I registered by phone and asked the customer representative if they could change the date to my original Gold card which was 1983.

He said "No problem I will take care of that right away and your new card with the original date will be sent out to you"

 

Great customer service and now I am back dated to 1983 which will really help since I started rebuilding my credit

just 9 months ago. 01/12

 

Amex Zync pulled from Experian and it said my Fico score was 730

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Amex Zync Backdating

Great news.  They did the same for me back to 1993.  My damn letter had my TU score Smiley Sad  But it said my TU was 702 which is 22 points higher than here!



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

Re: Amex Zync Backdating

When I purchased my Fico score this week from Experian it reported 775

Amex said when they pulled my score this week it reported 730

 

That is a 45 point difference.

I wonder if that differential is about average for most people.

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Amex Zync Backdating

The 775 is a FAKO and not accurate.

 

My 680 is from MyFICO and 702 is lender pull from AMEX so both are accurate (one probably uses different version than the other).



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

Re: Amex Zync Backdating

So what you are stating is when you purchase scores directly from Experian or TU or EQ it is not accurate at all

and only the scores supplied by the credit card companies are accurate.

 

 

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Amex Zync Backdating

FICO Scores from here are accurate and lender pulls are accurate.  Also, the TU Score from Walmart is accurate but an older version of TU that some lenders still use.  You can get EQ from DCU and EX from Penn State Credit Union.  Search this site for FICO vs FAKO and there are numerous threads on the subject.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Super Contributor
Posts: 7,530
Registered: ‎12-11-2011
0

Re: Amex Zync Backdating

Only scores supplied by MyFICO and lenders are accurate, however some lenders use different methods. For instance GE goes from like 0-600 or something. And myfico sells tu98 (i think) and walmart gives you the tu08 version.

Fico scores were established by fico the fair isaac corporation, and theyre the only ones who SELL them. Any scores you get somewhere else other than a lender or if you get something like the free walmart score or the score from psecu (or something similar) are fako.


Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

Re: Amex Zync Backdating

So the scores provided by this site are inaccurate and only the scores provided by the credit card companies

 are accurate.

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Amex Zync Backdating

[ Edited ]

No.  The scores from this site are accurate as this site is run by FICO.  Lenders are accurate and some other services from banks are accurate.  Monitoring services such as Credit Karma, Credit Sesame, USAA, Experian, Equifax, Quizzle and others are not accurate.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Regular Contributor
Posts: 193
Registered: ‎07-17-2012
0

Re: Amex Zync Backdating

Thanks for the help.

It is very confusing.

 

Where would I find the most comprehensive explanation of this subject.

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)

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