@Anonymous wrote:AmEX backdated my member since date to 1982!
but I don't know what this really mean or how would this new account be reported on my credit report.
Right now my AAoA is only .04 years...would this go up?
Plesse se help me to understand!
thanks
Awessome and congrats!
I tought I was the oldest backdating person here - 1986 - you beat me by 4 years. Your AAoA will definitely jump up! Mine did within a month on all CRAs. Good job!! 
@Anonymous wrote:
@Anonymous wrote:AmEX backdated my member since date to 1982!
but I don't know what this really mean or how would this new account be reported on my credit report.
Right now my AAoA is only .04 years...would this go up?
Plesse se help me to understand!
thanks
Awessome and congrats!
I tought I was the oldest backdating person here - 1986 - you beat me by 4 years. Your AAoA will definitely jump up! Mine did within a month on all CRAs. Good job!!
Someone on here is in the 70's.
@Gunnar419 wrote:It won't be reported as a new account. It'll be reported as a 33 year old account! Very big deal for your AAoA!
Upon manual review, lenders will see it's actually new, but for FICO scoring purposes, you've just hit the jackpot!
Still just 15% of the score though... I've never quite understood all the excitement (or unwillingness to close accounts due to an AAoA hit despite the fact accounts in good standing report for 10 years) about AAoA.
Maybe it's just me...
@Gunnar419 wrote:It won't be reported as a new account. It'll be reported as a 33 year old account! Very big deal for your AAoA!
Upon manual review, lenders will see it's actually new, but for FICO scoring purposes, you've just hit the jackpot!
I agree in regard to hitting the AAoA lottery!
Just curious, how do lenders see it as a new account on manual review? I opened an Amex ED a couple of months ago and Amex backdated. My credit reports show the account as opened in 1997, which is what Amex backdated to. Is there another way that it can be detected via manual review? Thanks!
@Anonymous wrote:
@Anonymous wrote:AmEX backdated my member since date to 1982!
but I don't know what this really mean or how would this new account be reported on my credit report.
Right now my AAoA is only .04 years...would this go up?
Plesse se help me to understand!
thanks
Awessome and congrats!
I tought I was the oldest backdating person here - 1986 - you beat me by 4 years. Your AAoA will definitely jump up! Mine did within a month on all CRAs. Good job!!
I've got you both. Mine is 1980. But there's another member with 1976.
@EW800 wrote:
@Gunnar419 wrote:It won't be reported as a new account. It'll be reported as a 33 year old account! Very big deal for your AAoA!
Upon manual review, lenders will see it's actually new, but for FICO scoring purposes, you've just hit the jackpot!
I agree in regard to hitting the AAoA lottery!
Just curious, how do lenders see it as a new account on manual review? I opened an Amex ED a couple of months ago and Amex backdated. My credit reports show the account as opened in 1997, which is what Amex backdated to. Is there another way that it can be detected via manual review? Thanks!
The 'date reported' and the absence of payment history
