topic Re: How long does Amex take to report? in Credit Card Applications

How long does Amex take to report?

MyDataMyChoice — Sat, 13 Dec 2014 17:46:17 GMT

How long does Amex take to report?

My mom was approved for an amex recently... hers goes back to 1989

I opened my first amex in 2007

If she adds me to her amex (she had the MSD date changed to 1989... ) will mine report 1989 or 2007? or 2014?

Re: How long does Amex take to report?

CreditCuriosity — Sat, 13 Dec 2014 18:09:09 GMT

@JTC403 wrote:
How long does Amex take to report?

My mom was approved for an amex recently... hers goes back to 1989

I opened my first amex in 2007

If she adds me to her amex (she had the MSD date changed to 1989... ) will mine report 1989 or 2007? or 2014?

Read amex takes anywhere from a few days after first statement cut up to 2-3 months for them to report. They are slow compared to Barlcay's etc...

Your MSD will be better then what you would get if she adds you as an AU.. If she did that you don't inerhit her MSD date, but the date you were added as an AU.. So your date of 2007 is better then 2014 obviously.

Re: How long does Amex take to report?

ojefferyo — Sat, 13 Dec 2014 18:32:12 GMT

You will get your MSD of 2007

Re: How long does Amex take to report?

09Lexie — Sat, 13 Dec 2014 20:46:13 GMT

@ojefferyo wrote:
You will get your MSD of 2007

On the card yes, but they do not backdate AU on CRs. That perk is reserved for primary cardholders only.

Re: How long does Amex take to report?

MyDataMyChoice — Sat, 13 Dec 2014 20:48:44 GMT

So even tho I had an amex from 2007-2013 I will not benefit from being an auth user on my moms?

Won't it report as a new 2007 tradeline?

I hope it doesnt report 2014...

Re: How long does Amex take to report?

ojefferyo — Sat, 13 Dec 2014 20:51:44 GMT

If you had your own account from 2007 which is from what I understand from your post. That's the date you'll get, Mine was backdated to 2000 when I got my card back then. If you've never had a card and you were put as an AU waaaaay back then before they stopped backdating for AU then yes you would get the older date.

Re: How long does Amex take to report?

CreditCuriosity — Sat, 13 Dec 2014 21:01:15 GMT

@ojefferyo wrote:
If you had your own account from 2007 which is from what I understand from your post. That's the date you'll get, Mine was backdated to 2000 when I got my card back then. If you've never had a card and you were put as an AU waaaaay back then before they stopped backdating for AU then yes you would get the older date.

When is this magical date? As stated they said I would be MSD back till 1990, but lexis says it will just say MSD since 1990, but the CRA's won't backdate it?

I heard it was all about when you were added as an AU, vs. not doing it anymore at all.. If it was 2 years ago basically I heard no go, but longer whatever that date is, you get the benefit. Still trying to find out the truth to this. As stated it shows on AMEX website now MSD as 1990, but will it show that way on the CRA's?

Re: How long does Amex take to report?

ojefferyo — Sat, 13 Dec 2014 21:04:57 GMT

I don't think it's up to the CRA to determine when the date is, it's what the lender reports.

Re: How long does Amex take to report?

ojefferyo — Sat, 13 Dec 2014 21:06:08 GMT

Credit, is that the date you got yours or when you added as an AU?

Re: How long does Amex take to report?

CreditCuriosity — Sat, 13 Dec 2014 21:07:38 GMT

Guess I will find out either way when it reports to the CRA's and i will clearly see the date. whether it is 2014 or 1990

Re: How long does Amex take to report?

CreditCuriosity — Sat, 13 Dec 2014 21:11:12 GMT

@ojefferyo wrote:
Credit, is that the date you got yours or when you added as an AU?

I got mine a few days back (being my first only my amex, not AU user amex) , but added as an AU on parents AMEX back in 1990 and they found me and added MSD 1990 on my amex profile. Make sense? Basically back in college I had the gold charge card for restraunts and bars I used through college that i had an AU card of.. Ya, im getting old!

Re: How long does Amex take to report?

ojefferyo — Sat, 13 Dec 2014 21:10:56 GMT

You should be getting the 90 date on your card. I beleive they stopped backdating for AU maybe some 5 years ago.

Re: How long does Amex take to report?

CreditCuriosity — Sat, 13 Dec 2014 21:12:27 GMT

Ya the 1990 date is deffinetly going to show on the card, but more less concerned about the CRA's what will show on that. AMEX already said they are mailing out a new card with the MSD as 1990, even though I havent gotten my first card yet lol.. Might be in the mail today, who knows.

Re: How long does Amex take to report?

ojefferyo — Sat, 13 Dec 2014 21:16:02 GMT

It should say opened 1990 since that's what AMEX is reporting.

Re: How long does Amex take to report?

Billybob_TX — Sun, 14 Dec 2014 03:58:10 GMT

@CreditCuriousity wrote:
@JTC403 wrote:
How long does Amex take to report?

My mom was approved for an amex recently... hers goes back to 1989

I opened my first amex in 2007

If she adds me to her amex (she had the MSD date changed to 1989... ) will mine report 1989 or 2007? or 2014?
Read amex takes anywhere from a few days after first statement cut up to 2-3 months for them to report. They are slow compared to Barlcay's etc...

Your MSD will be better then what you would get if she adds you as an AU.. If she did that you don't inerhit her MSD date, but the date you were added as an AU.. So your date of 2007 is better then 2014 obviously.

They reported 2 days after my statement cut on EX, which was only a few days after getting the account. I did let a small balance show.

Re: How long does Amex take to report?

Anonymous — Sun, 14 Dec 2014 04:14:38 GMT

@Billybob_TX wrote:
@CreditCuriousity wrote:
@JTC403 wrote:
How long does Amex take to report?

My mom was approved for an amex recently... hers goes back to 1989

I opened my first amex in 2007

If she adds me to her amex (she had the MSD date changed to 1989... ) will mine report 1989 or 2007? or 2014?
Read amex takes anywhere from a few days after first statement cut up to 2-3 months for them to report. They are slow compared to Barlcay's etc...

Your MSD will be better then what you would get if she adds you as an AU.. If she did that you don't inerhit her MSD date, but the date you were added as an AU.. So your date of 2007 is better then 2014 obviously.
They reported 2 days after my statement cut on EX, which was only a few days after getting the account. I did let a small balance show.

They reported just before statement cut for me, then updated at statement cut.

Re: How long does Amex take to report?

TheGardner — Sun, 14 Dec 2014 14:27:23 GMT

Lexi is correct, it will report 2014. If you were the primary it would show the 2007 date.

Re: How long does Amex take to report?

CreditCuriosity — Sun, 14 Dec 2014 17:42:23 GMT

@TheGardner wrote:
Lexi is correct, it will report 2014. If you were the primary it would show the 2007 date.

Well that sucks. If for some miracle it happens differently, I will make sure to take a screen shot of the Credit report, but I am pretty sure Lexi probably knows what she is talking about.

Re: How long does Amex take to report?

Anonymous — Tue, 16 Dec 2014 03:51:38 GMT

@JTC403 wrote:
How long does Amex take to report?

It took TransUnion 4 days to report my Amex as a new account after my first statement cut date and it took 5 days for Experian and Equifax to report after statement cut as well. These are when I received alerts from myFICO's 3 Bureau Credit Monitoring, I don't know if these were the actual dates the Amex reported the account to the CAs.

Re: How long does Amex take to report?

MyDataMyChoice — Tue, 16 Dec 2014 04:48:04 GMT

Well I got my new cards in

Amex green for my mom states her 1989 date

And mine says 2007

Now to wait to see what the credit bureaus show