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Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011

Score increase with amex backdating?

[ Edited ]

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....

 


Valued Contributor
Repo-ed
Posts: 2,949
Registered: ‎02-09-2012

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.

Valued Contributor
armbenderc
Posts: 1,337
Registered: ‎09-11-2012

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.


:smileysurprised: 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
Repo-ed
Posts: 2,949
Registered: ‎02-09-2012

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.


:smileysurprised: 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.

 

Valued Contributor
armbenderc
Posts: 1,337
Registered: ‎09-11-2012

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.


:smileysurprised: 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. :smileyhappy:

 

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
Cdnewmanpac
Posts: 759
Registered: ‎01-16-2012

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 12k, USAA WMC 13k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k
Valued Member
freeurmind
Posts: 38
Registered: ‎02-03-2013

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
llecs
Posts: 32,880
Registered: ‎08-04-2007

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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