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Gotta love AmEx backdating!

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Anonymous
Not applicable

Gotta love AmEx backdating!

I recently finally got approved for an AmEx Platinum Delta Skymiles and if that wasn't exciting enough, I started reading about how loose they are with backdating.  I thought I remembered seeing an AmEx on my credit report, though I've never phiscally had any AmEx, nor do I ever remember even apping for one, but it was on there saying open date of Dec 2006 and no balance ever carried.  I'm thinking it was one where I caved at one point when I was young and dumb while I was at a football game when it was cold and there was a stand pushing apps for a free blanket.......I app'd, got the blanket, and immediately closed it.  I didn't even realize it was an AmEx at the time, but that's the only thing I can think of.  Regardless, it has always shown up on my credit report, never as a negative, never with a balance, and a tiny CL, so why report it as inaccurate, right?  Anyway, I chatted with an AmEx rep and asked that they update my "Member since" date from 2015 to 2006.  She couldn't find where I'd ever had a card.  I asked her to check again, she still couldn't find it.  I said that it was on my report and clearly said AmEx, so she said that she'd escalate it for further review.  The next day I get an email saying they had issued my new card per my request.  I don't even have the 1st card yet, so I logged into the website as I was curious if they'd complied with my backdate request and there it was.  Member since 2006 at the top of the page!  Gotta love it!

Message 1 of 4
3 REPLIES 3
gdale6
Moderator Emeritus

Re: Gotta love AmEx backdating!

Good job Smiley Happy

Message 2 of 4
chalupaman
Super Contributor

Re: Gotta love AmEx backdating!

Nice one!

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 3 of 4
Anonymous
Not applicable

Re: Gotta love AmEx backdating!

Excellent..

Message 4 of 4
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