Reply
Senior Contributor
Posts: 3,318
Registered: ‎05-05-2011
0

How long for AMEX to report to CR

Im just wondering how long it takes for a new Amex to show up on your CR. I haven't apped yet, but would like to know what to expect.

It seems to vary by CCC.

Thanks! :smileyhappy:
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
0

Re: How long for AMEX to report to CR


bichonmom wrote:
Im just wondering how long it takes for a new Amex to show up on your CR. I haven't apped yet, but would like to know what to expect.

It seems to vary by CCC.

Thanks! :smileyhappy:

I've heard up to 60 days sometimes and 30 days sometimes.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 398
Registered: ‎08-02-2011
0

Re: How long for AMEX to report to CR

It's about a month or so after approval for the first statement to cut, then another week or so for it to report. At least that's what it was for me.


Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

Take the FICO Fitness Challenge
Moderator
Posts: 9,674
Registered: ‎01-28-2010
0

Re: How long for AMEX to report to CR

Same for me ~ I apped in early Nov, and the TL was reporting by late December, shortly after my first statement.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: How long for AMEX to report to CR

Thanks for the post and replies!

 

Was approved for BCP a week ago and was wondering if there was enough time for backdating and so on before it reported. :smileyhappy:


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
0

Re: How long for AMEX to report to CR


drkaje wrote:

Thanks for the post and replies!

 

Was approved for BCP a week ago and was wondering if there was enough time for backdating and so on before it reported. :smileyhappy:


Congrats on the BCP! Is that a clear card from AMEX?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 3,318
Registered: ‎05-05-2011
0

Re: How long for AMEX to report to CR

Thanks for the replies! Since it takes a while for them to report to the CRAs, I guess it's safe to assume that if you can get backdating done, it would first report with the backdated date, instead of being updated later.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
0

Re: How long for AMEX to report to CR


bichonmom wrote:

Thanks for the replies! Since it takes a while for them to report to the CRAs, I guess it's safe to assume that if you can get backdating done, it would first report with the backdated date, instead of being updated later.


Did you get an AMEX yet bichon? If not, which one are you going for?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: How long for AMEX to report to CR


LS2982 wrote:

drkaje wrote:

Thanks for the post and replies!

 

Was approved for BCP a week ago and was wondering if there was enough time for backdating and so on before it reported. :smileyhappy:


Congrats on the BCP! Is that a clear card from AMEX?


Not entirely certain what it looks like.

 

It's what I stepped out of the garden for 9 days ago, LOL! Basically, it'll help utilization and be back-dated to '96. Kind of did the math and really had to go for it at some point during the year so January made the most sense.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Moderator
Posts: 9,674
Registered: ‎01-28-2010
0

Re: How long for AMEX to report to CR


bichonmom wrote:

Thanks for the replies! Since it takes a while for them to report to the CRAs, I guess it's safe to assume that if you can get backdating done, it would first report with the backdated date, instead of being updated later.



You are correct.   When your card does report, it will show a date opened of MM/YY where YY is your member since year ( backdated ) and MM is the month you opened the card.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}