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Does Amex AU backdate?

Epic Contributor

Re: Does Amex AU backdate?

Checking back... I'm waiting to see: UPDaTE - APPROVED!!
Now... GO
Frequent Contributor

Re: Does Amex AU backdate?

I'm so scared haha

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Regular Contributor

Re: Does Amex AU backdate?


dddfresh wrote:
Thays amazing! Did you have a credit score boost because of AAOA?

Big time! AAoA was the biggest detriment to my score.  

 

I had nothing reporting and no score at all at the beginning of the year.  EQ and TU were clean and EX only showed an old cap one account as closed and paid.  I applied for and got a Wells Fargo CC in Jan and applied for the AMEX green a day or two after and was denied. The denial letter from AMEX stated no score from EX as the reason.  I waited till March when the WF CC was reporting to apply again.  At that time my EX score(Fako at least ) was higher because the AAoA was several years vs. 2 months on EQ and TU because of the old closed account. 

 

Now EQ and TU have two 13 year old accounts and one 5 month old vs two 2 month and one 5 month old. I'll have to get my TU FICO but I think I'm 700+ across the board!


Starting Score: EQ 599, TU 577
Current Score: EQ 703 9/20/14(HI 741 on 5/13), TU 690 10/1/14 (HI 751 on 5/13), EX 700 10/1/14
Goal Score: 750+


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Frequent Contributor

Re: Does Amex AU backdate?

Wow!

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13