ceemee2203 wrote: I joined amex 05/2012. I received my first amex in 12/2011 from my old company. Amex just backdated me to 05/2008 in January. No changes in the number of on time payments. Still 100%.
Thank you. That answers that. A year or so ago I added another Amex account and it was around the same time that I saw my on-time payment percentage drop another percent. I have never been able to figure out why that happened.
It's been on the rise again, but like I said, CK calculates it as 97% and I have no lates in last 4 years, so I'm not sure how to square that with them only showing 2 years worth of payment history.
Starting Score: ~500 (12/01/2008) Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12) Goal Score: 720