Approved for Amex Zync & Premier Rewards Gold....Finally YES!!!!!!

[pizzadude]

-----> I called Amex and asked about backdating to 1986.  No go for me, since the card was cancelled in 1987 I cannot backdate.  The CSR said that if it was still open I could have backdated my new cards. 

You need to just call back, someone else will be able to help you.....There are many instances of successful backdating to closed accounts.   As long as you have the account # they can look it up.    If you do not have the account number then perhaps they can't find it, so that's why the rep said it would only work on open accounts....

[trumpet-205]

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@BobbyJ wrote:

I called Amex and asked about backdating to 1986.  No go for me, since the card was cancelled in 1987 I cannot backdate.  The CSR said that if it was still open I could have backdated my new cards.  Not sure I am done with trying.  I might call the Amex Executive Offices once my new cards arrive and try again.

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Do that, though like I said, sometimes AMEX don't let those who burned them backdate. Then again I hope luck is on your side.

[BobbyJ]

Success!!!! Amex backdated my Amex PR Gold and Zync to 1985.  My credit file is currently over 14 years old but my AAOA is just over 4 years.  Now that my Amex cards will show a date of 1986 does anyone know how much will that change my AAOA in the future?

Thanks

[pizzadude]

Great !!  I'm glad they were able to make it happen for you !!

I would guess that you will see a significant AAoA boost from having these 2 TLs reporting over 25 years old !  How many total accounts are showing on your CR now ??

[Anonymous]

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@BobbyJ wrote:

Success!!!! Amex backdated my Amex PR Gold and Zync to 1985.  My credit file is currently over 14 years old but my AAOA is just over 4 years.  Now that my Amex cards will show a date of 1986 does anyone know how much will that change my AAOA in the future?

Thanks

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i'm not sure how aaoa is calculated, but if its straight forward like i think it is: multiply your current aaoa by the number of cards, add the age of your new card to this, then divide by the number of cards.

10 years aaoa for 2 cards. new card = 25 years.

(2cards*10years aaoa) = 20 years

20 years + 25 years (new card) = 45/(2+1) cards = 15 year

[haulingthescoreup]

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@Anonymous wrote:

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@BobbyJ wrote:

Success!!!! Amex backdated my Amex PR Gold and Zync to 1985.  My credit file is currently over 14 years old but my AAOA is just over 4 years.  Now that my Amex cards will show a date of 1986 does anyone know how much will that change my AAOA in the future?

Thanks

---

i'm not sure how aaoa is calculated, but if its straight forward like i think it is: multiply your current aaoa by the number of cards, add the age of your new card to this, then divide by the number of cards.

10 years aaoa for 2 cards. new card = 25 years.

(2cards*10years aaoa) = 20 years

20 years + 25 years (new card) = 45/(2+1) cards = 15 year

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How to calculate AAoA, one report at a time (get the back of an envelope handy, along with a calculator):

List every single tradeline on your report, revolving or installment, open or closed, Seriously: if it's on your report, write it down. (Don't include judgments, etc. as these are not actually accounts.)

Figure out the age of each account, one at a time, by taking the original openineg date (MM/YY) up to today. Figure it in months, not years + months. So if an account was opened in Sept 2008, it is (as of Jan 2012) 40 months old. If it was opened in Sept 2008 and closed in Dec 2009, it's still 40 months old. It does not matter if it's open or closed --run it to today's date, not when it was closed.

Add up all the account ages, expressed in months as described above. Divide by the number of accounts that you included. Again, don't forget: installment or revolving, open or closed: if it's listed on your reports, add it in.

The resulting figure is your AAoA.

To gauge the impact of a new account, divide the original sum of all account ages by the number of accounts + 1 (this is the new account.) So if you originally cruched your AAoA and came up with a total of 637 months / 7 accounts, change it to 637 accounts / 8 accounts. And so forth.

Now, if you have opened another AmEx account, and you're getting the backdating, you'll need to increase the numerator (sum of all account ages) AND the denominator (number of accounts.) So let's say that the new back-dated card is from March 2008, which as of Jan 2012 was 46 months ago. Using the for-instance figures above, figure 637 + 46 months / 7 + 1 account for your new AAoA.

Alternatively, the dirt-simple method is to buy you full report from Equifax, which displays your AAoA in YY/MM.

[lessismore2014]

I want to go for a 2nd AMEX card, currently have Zync. Which would you choose? Do any report limit?

[BobbyJ]

Thanks for the great info hauling and to all who responded.  I will do the calculations.

[CS800]

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@mnegron1969 wrote:

I want to go for a 2nd AMEX card, currently have Zync. Which would you choose? Do any report limit?

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The revolvers report limits; like the BLue series, Delta, etc

How long have you had your current AMEX?