Does FICO consider backdated AMEX cards as "NEW"

[IWOL]

I was wondering, when you have a new AMEX card report that has been backdated a few years does FICO still consider it a new account?

[j_casteel]

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@IWOL wrote:

I was wondering, when you have a new AMEX card report that has been backdated a few years does FICO still consider it a new account?

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No, that is the perk of backdating.

[ecxpa]

Know it won't happen but all lenders should backdate their products

[Juss11]

When experian reported mine is didnt even say new accunt added. I just got the AAOA boost & my score went up about points.

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@ecxpa wrote:

Know it won't happen but all lenders should backdate their products

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[lg8302ch]

yeh...looking forward to add the SPG in January 15 (skip the 2 years - new part) and hopefully by then Amex will remove FTF on that card as well

[mongstradamus]

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@lg8302ch wrote:

yeh...looking forward to add the SPG in January 15 (skip the 2 years - new part) and hopefully by then Amex will remove FTF on that card as well

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I am looking at possibly adding a prg or ed for some nice back dating ,don't know if my credit score can handle it tho 😢

[phillyguy12]

nope, but its obvious upon a manaul review of your file, it will show no info ava on the months/yrs  that you didn't have the card

[j_casteel]

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@phillyguy12 wrote:

nope, but its obvious upon a manaul review of your file, it will show no info ava on the months/yrs  that you didn't have the card

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you sure?

I was an AU on my brothers Citi card for a while and it backdated and reported all history from 2004-present on my reports. Perhaps, backdating on AMEX is different though?

[Kenny]

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@j_casteel wrote:

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@phillyguy12 wrote:

nope, but its obvious upon a manaul review of your file, it will show no info ava on the months/yrs  that you didn't have the card

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you sure?

I was an AU on my brothers Citi card for a while and it backdated and reported all history from 2004-present on my reports. Perhaps, backdating on AMEX is different though?

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LOL, if there is no history to report of course it will be blank. I can 100% say with certainty that it will be blank prior to the reporting month. -- Only obvious on a manual review. A lot of lenders don't do too many of them anymore.

[takeshi74]

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@j_casteel wrote:

I was an AU on my brothers Citi card for a while and it backdated and reported all history from 2004-present on my reports. Perhaps, backdating on AMEX is different though?

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Apples and oranges.  When the original member first receives the backdated card there is no payment history when the card is first reported except for the one month reported.

When an AU is added the history of the TL shows up on the AU's report.  It showed up in your case because there was history.  If your brother's card was brand new when you were added as an AU you'd only have limited history as well.