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Hmmmm.....that is an excellent question ! I wish I could answer it for you, but I can't based on lack of that experience. It does make you wonder how the reporting would appear on a credit report (Unknown - OK - Current - Pays as agreed) for each preceeding month.
SisterGirl
Not new. It's been my experience that no SW alert was triggered.
When I reappliied for my Amex card, it did not show as a new cc account. However, the history from the old and new accounts do NOT merge. Therefore, on any manual review of your reports, your Newest Amex Card will only show history since the issue date. Your older account will show the respective history until reported closed. The back dating helps your AAOA more than anything. AMEX also does not allow the re opening of an account with the prior issued account number.
Just checked my CR.
I had an Amex BSP opened in 2007, and I applied for a BCP in Feb 2012. They closed my BSP (as I hadn't used it) and opened the BCP then. Last month, I got it backdated to 1987. Looking now at my EQ report, the BCP account shows the 81-month history as "*" = Paid or paying as agreed, so that's good.
BUT, there is a Months Reviewed figure, and this shows 9, whereas my much older accounts show 99 so it's easy to see it is a recent account.
My closed BSP shows * up to Jan 2012, but shows only 5 months reviewed. Don't understand that!
@bs6054 wrote:Just checked my CR.
I had an Amex BSP opened in 2007, and I applied for a BCP in Feb 2012. They closed my BSP (as I hadn't used it) and opened the BCP then. Last month, I got it backdated to 1987. Looking now at my EQ report, the BCP account shows the 81-month history as "*" = Paid or paying as agreed, so that's good.
BUT, there is a Months Reviewed figure, and this shows 9, whereas my much older accounts show 99 so it's easy to see it is a recent account.
My closed BSP shows * up to Jan 2012, but shows only 5 months reviewed. Don't understand that!
I suspect this depends on the CRA. I assume you pulled Experian?
@HiLine wrote:
@bs6054 wrote:Just checked my CR.
I had an Amex BSP opened in 2007, and I applied for a BCP in Feb 2012. They closed my BSP (as I hadn't used it) and opened the BCP then. Last month, I got it backdated to 1987. Looking now at my EQ report, the BCP account shows the 81-month history as "*" = Paid or paying as agreed, so that's good.
BUT, there is a Months Reviewed figure, and this shows 9, whereas my much older accounts show 99 so it's easy to see it is a recent account.
My closed BSP shows * up to Jan 2012, but shows only 5 months reviewed. Don't understand that!
I suspect this depends on the CRA. I assume you pulled Experian?
No, "Looking now at my EQ report...."
You're right. From my brief research, it seems that all CRA's reports contain the Months Reviewed field...