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Score increase with amex backdating?

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Established Contributor

Score increase with amex backdating?

I was just wondering how the aaoa will be calculated and how much ,if any of a gain I will see?

 

history...

opened about 6 new tradelines across my CRA.....includes the 3 amex at 16 yrs of backdating...i have 5 pulls on Exp...3 on EQ and 2 on TU.....

 

MY current AAOA is at. EX 5.8 ......TU 5.8......EQ....4.0....

 


7 REPLIES
Valued Contributor

Re: Score increase with amex backdating?

I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Valued Contributor

Re: Score increase with amex backdating?


Repo-ed wrote:

I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.


Smiley Surprised I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.

 

 

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor

Re: Score increase with amex backdating?


armbenderc wrote:

Repo-ed wrote:

I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.


Smiley Surprised I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.

 

 

 


I'll be apping in Jan as well for the PRG and True Earnings CostCo.

 

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Valued Contributor

Re: Score increase with amex backdating?


Repo-ed wrote:

armbenderc wrote:

Repo-ed wrote:

I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.


Smiley Surprised I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.

 

 

 


I'll be apping in Jan as well for the PRG and True Earnings CostCo.

 


Good luck, I'll need it as well. Smiley Happy

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor

Re: Score increase with amex backdating?

The score bump from backdating depends on where AAoA is before and after. I bumped 1 point when first card posted, bumping AAoA from 7y 1 mos to 7y 10 mos. however, 2nd Amex sent AAoA over 8 years and I got 13 points. 

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Valued Member

What?

I have no idea what i just read here. Im curious can you clarify all these abbriviations? 


Starting Score: EQ 630 On 02/05/13 TU 695 on 02/20/13
Current Score: EQ 679 On 02/16/13
Goal Score: 750


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Moderator Emeritus

Re: What?


freeurmind wrote:

I have no idea what i just read here. Im curious can you clarify all these abbriviations? 



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