Reply
Highlighted
Regular Contributor
Posts: 142
Registered: ‎07-01-2012
0

Re: Got approved for AMEX gold, have backdating question

I'll update this post after I talk with Alex about it.

Thanks
Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Got approved for AMEX gold, have backdating question


Madman94044 wrote:

I got approved for an AMEX gold card today after looking at the pre-qual page on the website.  I'm stoked to get get this card, happy that my credit profile is moving in the right direction.

 

Here's my question, I've had a Corp Amex card for the past 9 years, it's still active but has never shown on any of my CRs, will AMEX backdate my new Gold Card to reflect I've been a member since 2003 and report that info to all 3 CRAs?

 

Thanks.


I was approved for an AMEX Zync card in November of 2011, which was my first personal AMEX card.    I have also had an AMEX corporate card since '95, and I called in some time after I received my Zync to ask them to set my Member Since date to match my corporate card member since date.     They were able to do this with no issues.   

 

Hopefully it will work out for you, but as always YMMV.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Regular Contributor
Posts: 142
Registered: ‎07-01-2012
0

Re: Got approved for AMEX gold, have backdating question

I've checked some other threads and it looks like others have had success too.
Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000
Regular Contributor
Posts: 142
Registered: ‎07-01-2012
0

Re: Got approved for AMEX gold, have backdating question

Haven't received my card yet but logged in to Amex website today and saw they linked this account to my corp card.  

 

Shows member since 2003 Smiley Happy

Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Got approved for AMEX gold, have backdating question


Madman94044 wrote:

Haven't received my card yet but logged in to Amex website today and saw they linked this account to my corp card.  

 

Shows member since 2003 Smiley Happy


 

Whoo hoo! Very nice backdating story. Good work! Time to add more personal amexes?!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Got approved for AMEX gold, have backdating question

I think there is misconceptions in this tHread.  Your member year should be when you first held aN Amex either as acm/au or primary.  This may not happen on its own but that is policy as of 11/2011.  Corporate card holders may have issues.  I think depends on what kind of corporate card.  For huge institutions, I think it is lesslikely to pick up date.  For small corporate card holders, seems to work better.  Also, on charge off accounts, it seems not to pick it up.  In all cases, you can attempt to get it fixed.  I have heard of people with charged off accounts get backdated to their charged off member date, but then get fr and blacklisted.

               LIMITS IN CARD DESCRIPTIONS
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.