I applied for the AMEX BCE in June 2013 and was given 8k credit limit and 61 days later asked for 3x CLI but they
countered with 23k which I gladly agreed to. Six months later I asked for the 1k that they didn't give me on my
initial CLI request and I was told NO because of a previous charged off account through AMEX (I think the old
charged off account was a 1k credit limit card). Evidently, the charged off account was from 1999 and AMEX has not
asked me to pay up. What they have done is very surprising. The card that I recieved from them in June 2013 has now
been back dated to 1999 and has been reported to all three CRA which in turn has raised my AAoA to 4 years. Now, my
oldest account is 15 years old compared to the 6 year oldest account that I had previously. My credit limit remains
at 23k and Amex has not said anything about the old charged off account except for denying me a CLI.
What has this done to my scores? Glad you asked. I pulled all 3 scores through My FICO and my Experian went from
730 to 795, Equifax 728 to 779 and Transunion 744 to 780. These increases happened in a period of 1 month.
Does this make sense or, is this standard practice with AMEX? This seems outrageous to me and if AMEX were to
request that I paid the old account, I would comply.
Equifax FICO 781, Transunion FICO 821, Experian FICO 807,
810 goal on all three by 3-1-2015
