topic Re: Amex 2000 MSD Woohoo! Happy Holidays to me! in Credit Card Approvals

Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 15:00:41 GMT

#1 I'm not really sure where this should go so mods feel free to move it to the appropriate place. #2 this is an AWESOME early Christmas present and I've got Pharrells Happy song on repeat

My mother, bless her lovely heart, finally explained to me why she was so opposed to Amex cards on December 16th. She had a green charge card with them from 1987 - 2002 and didnt care for it much. AF, having to pay it off every month etc., She then casually throws in "I added you as an AU when you turned 18 in 2000 on your birthday." Umm what?! Never told me, never gave me the card, and closed the card in 2002. I'm a tad ashamed of this but frankly I really dont have a clue as to what was on any of my reports until around 2005, sad but true. Credit wasnt a priority in my younger days. So I sat and toyed around with asking for a MSD change. I'm thinking this was too long ago and probably wont work but it cant hurt to ask. December 17th I asked via chat, this is all I said and no further information was required (which I had just in case) - Hi, I was recently approved for a BCE card in November. I had an Amex charge card briefly in 2000 that was closed in 2002 in good standing. But its been awhile and is no longer on any of my reports. Is it possible to have my member since date changed to 2000?

I thought I might need my mothers information, to clarify that I was an AU, maybe an old account # but nope. Chat was extremely brief. Representative submitted the request and stated if it was approved it would take 9-12 days. Woke up this morning to a card replacement email notification. Still didnt believe it. Logged in and saw new MSD of 2000

Not sure of the current rules of back dating, there seem to be conflicting opinions on this site but it was a fairly painless process. I'm hoping this reports with my next statement close on the 8th and has some kind of positive impact on my profile bc my AAoA is terribly low at 7 months. Merry Christmas!

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 15:03:14 GMT

@Anonymous wrote:
#1 I'm not really sure where this should go so mods feel free to move it to the appropriate place. #2 this is an AWESOME early Christmas present and I've got Pharrells Happy song on repeat

My mother, bless her lovely heart, finally explained to me why she was so opposed to Amex cards on December 16th. She had a green charge card with them from 1987 - 2002 and didnt care for it much. AF, having to pay it off every month etc., She then casually throws in "I added you as an AU when you turned 18 in 2000 on your birthday." Umm what?! Never told me, never gave me the card, and closed the card in 2002. I'm a tad ashamed of this but frankly I really dont have a clue as to what was on any of my reports until around 2005, sad but true. Credit wasnt a priority in my younger days. So I sat and toyed around with asking for a MSD change. I'm thinking this was too long ago and probably wont work but it cant hurt to ask. December 17th I asked via chat, this is all I said and no further information was required (which I had just in case) - Hi, I was recently approved for a BCE card in November. I had an Amex charge card briefly in 2000 that was closed in 2002 in good standing. But its been awhile and is no longer on any of my reports. Is it possible to have my member since date changed to 2000?

I thought I might need my mothers information, to clarify that I was an AU, maybe an old account # but nope. Chat was extremely brief. Representative submitted the request and stated if it was approved it would take 9-12 days. Woke up this morning to a card replacement email notification. Still didnt believe it. Logged in and saw new MSD of 2000

Not sure of the current rules of back dating, there seem to be conflicting opinions on this site but it was a fairly painless process. I'm hoping this reports with my next statement close on the 8th and has some kind of positive impact on my profile bc my AAoA is terribly low at 7 months. Merry Christmas!

Nice.

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

taxi818 — Tue, 23 Dec 2014 15:05:00 GMT

Congrats. Very nice. Well AU,s after 2011 can't do it. But sweet your moms told you about it now.

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 15:07:11 GMT

@taxi818 wrote:
Congrats. Very nice. Well AU,s after 2011 can't do it. But sweet your moms told you about it now.

Ohhhh thats the rule. Ok got it Thanks

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anomalous — Tue, 23 Dec 2014 15:07:21 GMT

Awesome! Congratulations! Cant wait until I can get back with AMEX

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 15:08:58 GMT

Nice!!!

For clarification purposes because I am seriously pondering this for my PRG. Does this eventually reflect on your CR's (AAoA) and not just internal to AMEX? If so that would be an awesome boost for me since I could get it tagged to 1990.

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

baller4life — Tue, 23 Dec 2014 15:09:38 GMT

Awesome!

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 15:10:27 GMT

@Anonymous wrote:
Nice!!!

For clarification purposes because I am seriously pondering this for my PRG. Does this eventually reflect on your CR's (AAoA) and not just internal to AMEX? If so that would be an awesome boost for me since I could get it tagged to 1990.

I certainly hope so! But someone else please feel free to confirm

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

taxi818 — Tue, 23 Dec 2014 15:12:14 GMT

@Anonymous wrote:
@Anonymous wrote:
Nice!!!

For clarification purposes because I am seriously pondering this for my PRG. Does this eventually reflect on your CR's (AAoA) and not just internal to AMEX? If so that would be an awesome boost for me since I could get it tagged to 1990.
I certainly hope so! But someone else please feel free to confirm

Yes. It will reflect in you AAOA. Not just internal.

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

coldnmn — Tue, 23 Dec 2014 15:16:14 GMT

Congrats! Thanks for sharing.

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 15:21:50 GMT

@Anonymous wrote:
Nice!!!

For clarification purposes because I am seriously pondering this for my PRG. Does this eventually reflect on your CR's (AAoA) and not just internal to AMEX? If so that would be an awesome boost for me since I could get it tagged to 1990.

Absolutely reports. Just got two new Amex cards and they are being report as opened in November, 1989. It's been 20 years or more since I had a card from them. But did thankfully open a gold card in 1989.

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 16:25:05 GMT

Wow! That is an awesome story! This will help your AAoA tremendously!!

I am a little jelly

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 16:31:48 GMT

Congratulations for your Amex backdating your MSD! Continue Success in The World of Credit Cards!

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 16:32:28 GMT

@Anonymous wrote:
Nice!!!

For clarification purposes because I am seriously pondering this for my PRG. Does this eventually reflect on your CR's (AAoA) and not just internal to AMEX? If so that would be an awesome boost for me since I could get it tagged to 1990.

I had my corportate American Express card that was opened in 2012 and recently opened a personal AMEX ED card. I had my MSD backdated and it showed up on my credit report as opened in 2012. As such, my new AMEX card actually helped my AAoA. Good luck! The customer service is very easy to deal with!

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 16:37:01 GMT

@Anonymous wrote:
Wow! That is an awesome story! This will help your AAoA tremendously!!
I am a little jelly

Will it be a tremendous help? I tried calculating it myself but its a bit confusing. All the years combined/number of accounts is how Im supposed to be doing this I believe. It came out to about 2.5 years which is definitely better than 7 months but I dont know if itll have a significant impact. My math could be all wrong and as stated the calculation method confuses me a bit so I'll wait another couple weeks and let CK show me an updated AAoA Thanks everyone! Hope this may possibly help someone else. Never hurts to ask

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 17:27:26 GMT

@Anonymous wrote:
@Anonymous wrote:
Wow! That is an awesome story! This will help your AAoA tremendously!!
I am a little jelly
Will it be a tremendous help? I tried calculating it myself but its a bit confusing. All the years combined/number of accounts is how Im supposed to be doing this I believe. It came out to about 2.5 years which is definitely better than 7 months but I dont know if itll have a significant impact. My math could be all wrong and as stated the calculation method confuses me a bit so I'll wait another couple weeks and let CK show me an updated AAoA Thanks everyone! Hope this may possibly help someone else. Never hurts to ask

CK only factors in OPEN accounts. FICO factors in even the closed ones.

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

uswala — Tue, 23 Dec 2014 17:44:35 GMT

Congrats!

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 18:09:51 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Wow! That is an awesome story! This will help your AAoA tremendously!!
I am a little jelly
Will it be a tremendous help? I tried calculating it myself but its a bit confusing. All the years combined/number of accounts is how Im supposed to be doing this I believe. It came out to about 2.5 years which is definitely better than 7 months but I dont know if itll have a significant impact. My math could be all wrong and as stated the calculation method confuses me a bit so I'll wait another couple weeks and let CK show me an updated AAoA Thanks everyone! Hope this may possibly help someone else. Never hurts to ask
CK only factors in OPEN accounts. FICO factors in even the closed ones.

Really? Cause my AAoA from CK and myFICO was identical but maybe it was a coincidence. CK shows my closed and open accounts but if it doesnt factor them all in I guess I'll pay for a report from here in a couple months. Good to know!

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

MarineVietVet — Tue, 23 Dec 2014 22:14:36 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Wow! That is an awesome story! This will help your AAoA tremendously!!
I am a little jelly
Will it be a tremendous help? I tried calculating it myself but its a bit confusing. All the years combined/number of accounts is how Im supposed to be doing this I believe. It came out to about 2.5 years which is definitely better than 7 months but I dont know if itll have a significant impact. My math could be all wrong and as stated the calculation method confuses me a bit so I'll wait another couple weeks and let CK show me an updated AAoA Thanks everyone! Hope this may possibly help someone else. Never hurts to ask
CK only factors in OPEN accounts. FICO factors in even the closed ones.
Really? Cause my AAoA from CK and myFICO was identical but maybe it was a coincidence. CK shows my closed and open accounts but if it doesnt factor them all in I guess I'll pay for a report from here in a couple months. Good to know!

FICO calculates your AAoA as the sum of the ages of every account (except CA collections and public records) on your report, whether open or closed, calculated in months, divided by the number of accounts and then divided by 12. I use the division by 12 to make it easier to convert into years. This is measured from the time each account was opened until present.

You can never have an AAoA of less than one year. This is built into the system.

You’ll need to figure the age of each account, open or closed, on each report. If all three reports are identical (very unlikely), you're in luck; otherwise, you'll need to run this for each report.

Re: Amex 2000 MSD Woohoo! Happy Holidays to me!

Anonymous — Tue, 23 Dec 2014 23:03:26 GMT

MarineVietVet I sent you a PM but please disregard I logged into my Experian report and used that information with this link which came out to 2 years so I wasnt that far off. Not sure if this is 100% accurate but its definitely easier than trying to figure it out on my own. Math was never my thing. No collections or public records, all three reports are identical. Thanks!

http://seemly.com/aaoa-calculator/