Pulled up my Equifax CR and noticed under "Oldest Account - American Express (Opened 08/22/1988)"
I was born on 09/23/1990, how is this possible?
advice on what I can do please? thank you!
@Sedah wrote:
I was born on 09/23/1990, how is this possible?
advice on what I can do please? thank you!
The CB's make errors all the time! In this case it's in your favor! The honest thing to do is dispute it and have it removed but that's up to you
That's one heck of a backdate!!!!!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Do you have an American Express and they just screwed up the date, or do you not have an Amex at all?
The reason I'm asking is that if they delete it completely, it's gonna screw with your AAoA, which will lower your score. If you have an Amex and they just adjust the date, depending on what the correct date is, it may not be that big a deal.
I would go ahead and dispute it, even though it'll ding you. I would do that because I'm paranoid about things coming back to bite me at the most inopportune time.
Starting Score: 529 EQ | 551 TU | 614 EX | 579 TU FAKO as of 1/12/14
@Sedah wrote:
Yeah I never had an Amex card, how much will this ding my score if it gets corrected
It's hard to say. But having a CC on your report with an 1988 open date makes for one heck of an AAoA. Chances are, your first card is dated somewhere around what 2010 or so? So your real AAoA could be more like 2-3 yrs after the correction, which is significantly lower than the 10-12 or so years it might be now.
All of this is pure speculation since I don't know what your AAoA is or what the ages of your other accounts are.
Maybe someone in your fam had one and added you as an AU? Is it possible that happened and you forgot?