First, for some reason when I went to login I had to create a new user ID. I used to be Cageym, not sure what the issue is. Now, I had Amex backdated to 93 and my Zync card showed up finally, the Delta hasn't yet. So my AoAA took a huge jump, so did all the reported scores. New scores are shown so I'm much closer to that 800 club than I was yesterday. Disadvantage of the backdating was they have sent me new cards and since I'm overseas it takes a few weeks for the cards to get here. I have to wait to ask for my 61 day 3x CLI until I get the new card because the security number is different. I think I can wait long enough just based on what one backdated card did to my scores. CK showed a drop on my scores because it shows as a new account. Who cares, the reports that matter show all good.
Starting Score: 3/2011 550-ish
Cageym wrote:LOL! Now I seem to be able to login as me!!
haha! you are a shapeshifter!
Welcome back!
Starting Score: 08/29/2011 TU 671 EQ 674Current 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
We are the Borg..oh wait you said shapeshifter.
I doubt your actual FICO scores went down. CK just estimates your score, and not very well either. Their AAoA is off, only calculating open accounts, and while I don't think this is what affected you, they probably take off some arbitrary number of points for a "new account" despite the fact that these accounts probably show up to FICO as 20 year old accounts.
cageym1964 wrote:First, for some reason when I went to login I had to create a new user ID. I used to be Cageym, not sure what the issue is. Now, I had Amex backdated to 93 and my Zync card showed up finally, the Delta hasn't yet. So my AoAA took a huge jump, so did all the reported scores. New scores are shown so I'm much closer to that 800 club than I was yesterday. Disadvantage of the backdating was they have sent me new cards and since I'm overseas it takes a few weeks for the cards to get here. I have to wait to ask for my 61 day 3x CLI until I get the new card because the security number is different. I think I can wait long enough just based on what one backdated card did to my scores. CK showed a drop on my scores because it shows as a new account. Who cares, the reports that matter show all good.
I think you're in the "AMEX BD Limbo phase" or whatever it was I called it months ago for another member with a similar issue. It will shake itself out after a while, some people don't even see this happen on their reports because they don't usually check at the right time (your other reports may have gone through the same thing but you didn't see it). Your CK account will take a jump probably in a few days, it varies. I went through it too, seems the date change messes with the systems a bit LOL
I wish I knew where my old post about it was but too much to dig through
LIke I said, I don't care about CK.I use it only to see movement. As soon as I saw it I went to USAA and downloaded a report. So I'm pretty happy right now. And I agree, the advantages FAR out weigh the disadvantages as far as backdating goes. I've been waiting for at least one of them to start reporrting the new date so I could see the result, and to me it was impressive.
I know that no one is worried too much about what happens to your CK score, but I believe when my backdated Amex accounts reported, it lowered my % of ontime payments because it has no data for the backdated months. That may be why your score is dropping, because it measures % on-time rather than just looking for 30 day lates. Of course, it could have been something else, but I can't figure out any other reason that I saw a drastic drop in % on-time payments right around the same time those accounts reported.
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
