Credit Cards

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Reply
Topic Options
Established Member
Finance805
Posts: 25
Registered: ‎11-02-2011

Re: Blacklisted from AMEX?

Options

‎09-02-2012 11:28 PM

I'll work on paying down my utilization then.  Would it backdate to my original amex account?

Scores:
FICO: Equifax-670 (Pulled 9/2/12)
FICO: Experian-656 (Pulled 10/26/11)
FICO: TransUnion-627 (Pulled 11/14/11)
Message 11 of 28 (375 Views)
 
Reply
Valued Contributor
trumpet-205
Posts: 1,909
Registered: ‎11-11-2010

Re: Blacklisted from AMEX?

Options

‎09-02-2012 11:34 PM

Finance805 wrote:

I'll work on paying down my utilization then.  Would it backdate to my original amex account?

If you burned AMEX in the past no backdating for you.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
Message 12 of 28 (369 Views)
 
Reply
Valued Contributor
bichonmom
Posts: 3,131
Registered: ‎05-05-2011

Re: Blacklisted from AMEX?

Options

‎09-02-2012 11:37 PM

Oh, yeah. With all of the posts, I forgot that you had an Amex before! You're right. Then app in January, and it will backdate to January and the year you got your first Amex. That will give your AAoA a nice boost and probably your FICO, too. I'd definitely start w/Zync, since it's reportedly the easiest to get and has the lowest AF.

 

You've probably read this here, but pay your balances so all CCs report a zero balance, except for one card reporting <10% util of that card's CL. I always check my CR before I app for anything, just to confirm the balances are reporting correctly. (I use USAA's CMS, so I can pull a CR daily if I want.)

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 731 | TU FICO 751 (Walmart) | EX FAKO 748 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 13 of 28 (363 Views)
 
Reply
Valued Contributor
bichonmom
Posts: 3,131
Registered: ‎05-05-2011

Re: Blacklisted from AMEX?

Options

‎09-02-2012 11:40 PM

trumpet-205 wrote:
Finance805 wrote:

I'll work on paying down my utilization then.  Would it backdate to my original amex account?

If you burned AMEX in the past no backdating for you.

I had an Amex CO in the 80s and they backdated my 2 Amex that I got this year. Others here have posted about having Amex backdated after paying old COs, being in the Optima/Oasis program, etc.

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 731 | TU FICO 751 (Walmart) | EX FAKO 748 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 14 of 28 (358 Views)
 
Reply
Valued Contributor
trumpet-205
Posts: 1,909
Registered: ‎11-11-2010

Re: Blacklisted from AMEX?

Options

‎09-03-2012 08:08 AM

bichonmom wrote:
trumpet-205 wrote:
Finance805 wrote:

I'll work on paying down my utilization then.  Would it backdate to my original amex account?

If you burned AMEX in the past no backdating for you.

I had an Amex CO in the 80s and they backdated my 2 Amex that I got this year. Others here have posted about having Amex backdated after paying old COs, being in the Optima/Oasis program, etc.

AMEX discontinued Oasis program.

 

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
Message 15 of 28 (316 Views)
 
Reply
Mega Contributor
LS2982
Posts: 14,477
Registered: ‎04-09-2011

Re: Blacklisted from AMEX?

Options

‎09-03-2012 08:25 AM

IMO I would wait until January. You need more age on those accounts.


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
Message 16 of 28 (307 Views)
 
Reply
Moderator
Moderator
webhopper
Posts: 6,772
Registered: ‎09-16-2011

Re: Blacklisted from AMEX?

Options

‎09-03-2012 09:28 AM

I agree with LS; you should be good to go for a January app.
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
Message 17 of 28 (296 Views)
 
Reply
Established Member
Finance805
Posts: 25
Registered: ‎11-02-2011

Re: Blacklisted from AMEX?

Options

‎09-03-2012 09:42 AM

Only issue I see with a january app is an extra inquiry when I am looking to buy my house.  But I guess it is not really a big deal since my experian already has 14 hards on it, what does one mean?  Haha

Scores:
FICO: Equifax-670 (Pulled 9/2/12)
FICO: Experian-656 (Pulled 10/26/11)
FICO: TransUnion-627 (Pulled 11/14/11)
Message 18 of 28 (287 Views)
 
Reply
Moderator
Moderator
tinuviel
Posts: 3,900
Registered: ‎11-02-2010

Re: Blacklisted from AMEX?

Options

‎09-03-2012 09:42 AM

bichonmom wrote:
trumpet-205 wrote:
Finance805 wrote:

I'll work on paying down my utilization then.  Would it backdate to my original amex account?

If you burned AMEX in the past no backdating for you.

I had an Amex CO in the 80s and they backdated my 2 Amex that I got this year. Others here have posted about having Amex backdated after paying old COs, being in the Optima/Oasis program, etc.

 

 

I had an unpaid CO from 1987. They offered and approved me for a new card last year and automatically backdated it to 1987. So, it's definitely a YMMV sort of thing.

 



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
Message 19 of 28 (286 Views)
 
Reply
Mega Contributor
LS2982
Posts: 14,477
Registered: ‎04-09-2011

Re: Blacklisted from AMEX?

Options

‎09-03-2012 09:55 AM

Man I wish I had a AMEX back in the day...

 

Jealous of ya'll backdaters :smileyvery-happy:



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
Message 20 of 28 (280 Views)
 
Reply

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.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+