Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 157
Registered: ‎03-05-2012
0 Kudos

Amex backdating for closed account

Question for the group - my DW had an Amex Gold years ago (opened in 1986 - closed it in 2002) - it is scheduled to fall off her EX report in Aug 2012. She doesn't have her own Amex now, but is an AU on my TE and BCP cards which are backdated to 11/99. If I have her app on her own for either a Zync or something else, will they backdate it to 1986 or only to 1999? Also, would it make a difference if she apps while the old account is still on her CR?  Thanks in advance.

FICO: EQ 769, TU 762 , EX ???

Frequent Contributor
Posts: 399
Registered: ‎08-02-2011
0 Kudos

Re: Amex backdating for closed account

It should go back to the original date she first had any account with them, so 1986. They look at their own internal records. However if the card comes and it's not backdated she can call to straighten it out. If they can't find it in the computer it might be useful to have a card number or an account number or a copy of a CR with the account info on it.

When she logs into the AmEx (you can have different logins for different AUs) it should say at the top - THANK YOU FOR BEING A CARDMEMBER SINCE xxxx which should be what it backdates to.

Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.