Question about AU backdating

[ksantangelo23]

From personal experience, I've had Discover, Cap One, Chase and PNC fully backdate AU's.

EDIT: Fidelity as well, backed by BoA.

[Anonymous]

I agree that FICO says they ignore AU's unless they have a relationship of some kind. However, what if your mother remarried and you no longer live with her? Same sernario with a step father and a first marriage son. How about a grandmother??  etc... I am sure there are many examples. I don't see how FICO can discriminate. And to my knowledge, no new procedures are in place or have changed when AU applying, to identify relationship.

[takeshi74]

AmEx was the only one that backdated.  Having the entire account history and original open date report for an AU is not backdating.  Backdating is opening an entirely new account and having its open date report prior to the acutal open date.  Being added as an AU does not create a new account.  Being removed as an AU may remove the tradeline from the report whereas closing an AmEx card does not (immediately) remove the tradeline.  

There are some similarities but there are also important differences between the two.

[ksantangelo23]

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@Anonymous wrote:

I agree that FICO says they ignore AU's unless they have a relationship of some kind. However, what if your mother remarried and you no longer live with her? Same sernario with a step father and a first marriage son. How about a grandmother??  etc... I am sure there are many examples. I don't see how FICO can discriminate. And to my knowledge, no new procedures are in place or have changed when AU applying, to identify relationship.

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That is untrue. A "relationship" question is for internal records with card issuers only, and does not make it over to a credit report. FICO fully calculates AU accounts, but some lenders do discount them.