Does Home Depot Backdate?

[Anonymous]

I was approved earlier for a Home Depot card and when I received my confirmation email it stated Member Since: 1999. I did have an account with Citi many years ago that I had forgot about. Are they like Amex and will report to the CB'S the backdated date? Any information is appreciated!

[gdale6]

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@Anonymous wrote:

I was approved earlier for a Home Depot card and when I received my confirmation email it stated Member Since: 1999. I did have an account with Citi many years ago that I had forgot about. Are they like Amex and will report to the CB'S the backdated date? Any information is appreciated!

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Amex is the only company that sets MSD as open date to a CRA.

[Anonymous]

That's a bummer! Thanks for the information!

[CreditMagic7]

All the credit lending world are held hostage! Only AMEX is allowed to assist in improving FICO AAOA thru backdating. 

Must be thru some high dollar secret agreement

[Anonymous]

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@CreditMagic7 wrote:

All the credit lending world are held hostage! Only AMEX is allowed to assist in improving FICO AAOA thru backdating. 

Must be thru some high dollar secret agreement

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Any issuer could do this just the same, In fact a few high end store cards are known to do just this.

[CreditMagic7]

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@Anonymous wrote:

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@CreditMagic7 wrote:

All the credit lending world are held hostage! Only AMEX is allowed to assist in improving FICO AAOA thru backdating. 

Must be thru some high dollar secret agreement

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Any issuer could do this just the same, In fact a few high end store cards are known to do just this.

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It's a conspiracy. No one else dare try it

[pizza1]

Actually I've seen A few posts that Nordstroms does

[CreditMagic7]

It would be nice if more major bank cc issuers than just Amex alone backdated for improving FICO AAOA.

[Anonymous]

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@CreditMagic7 wrote:

It would be nice if more major bank cc issuers than just Amex alone backdated for improving FICO AAOA.

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Yes it would.. I guess it's one of those things that ensures that less people burn them?

[Anonymous]

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@CreditMagic7 wrote:

It would be nice if more major bank cc issuers than just Amex alone backdated for improving FICO AAOA.

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It would be nice for a while until everyone figured it out and started taking advantage of other ways of backdating. Eventually it would devalue the high FICO scores by making them too easy to attain.