topic Re: Does Home Depot Backdate? in Credit Cards

Does Home Depot Backdate?

Anonymous — Sat, 10 Jan 2015 02:29:48 GMT

I was approved earlier for a Home Depot card and when I received my confirmation email it stated Member Since: 1999. I did have an account with Citi many years ago that I had forgot about. Are they like Amex and will report to the CB'S the backdated date? Any information is appreciated!

Re: Does Home Depot Backdate?

gdale6 — Sat, 10 Jan 2015 02:32:15 GMT

@Anonymous wrote:
I was approved earlier for a Home Depot card and when I received my confirmation email it stated Member Since: 1999. I did have an account with Citi many years ago that I had forgot about. Are they like Amex and will report to the CB'S the backdated date? Any information is appreciated!

Amex is the only company that sets MSD as open date to a CRA.

Re: Does Home Depot Backdate?

Anonymous — Sat, 10 Jan 2015 02:52:12 GMT

That's a bummer! Thanks for the information!

Re: Does Home Depot Backdate?

CreditMagic7 — Sat, 10 Jan 2015 03:08:59 GMT

All the credit lending world are held hostage! Only AMEX is allowed to assist in improving FICO AAOA thru backdating.

Must be thru some high dollar secret agreement

Re: Does Home Depot Backdate?

Anonymous — Sat, 10 Jan 2015 03:15:04 GMT

@CreditMagic7 wrote:
All the credit lending world are held hostage! Only AMEX is allowed to assist in improving FICO AAOA thru backdating.

Must be thru some high dollar secret agreement

Any issuer could do this just the same, In fact a few high end store cards are known to do just this.

Re: Does Home Depot Backdate?

CreditMagic7 — Sat, 10 Jan 2015 03:16:56 GMT

@Anonymous wrote:
@CreditMagic7 wrote:
All the credit lending world are held hostage! Only AMEX is allowed to assist in improving FICO AAOA thru backdating.

Must be thru some high dollar secret agreement
Any issuer could do this just the same, In fact a few high end store cards are known to do just this.

It's a conspiracy. No one else dare try it

Re: Does Home Depot Backdate?

pizza1 — Sat, 10 Jan 2015 05:45:26 GMT

Actually I've seen A few posts that Nordstroms does

Re: Does Home Depot Backdate?

CreditMagic7 — Sat, 10 Jan 2015 05:49:30 GMT

It would be nice if more major bank cc issuers than just Amex alone backdated for improving FICO AAOA.

Re: Does Home Depot Backdate?

Anonymous — Sat, 10 Jan 2015 06:25:57 GMT

@CreditMagic7 wrote:
It would be nice if more major bank cc issuers than just Amex alone backdated for improving FICO AAOA.

Yes it would.. I guess it's one of those things that ensures that less people burn them?

Re: Does Home Depot Backdate?

Anonymous — Sat, 10 Jan 2015 06:26:00 GMT

@CreditMagic7 wrote:
It would be nice if more major bank cc issuers than just Amex alone backdated for improving FICO AAOA.

It would be nice for a while until everyone figured it out and started taking advantage of other ways of backdating. Eventually it would devalue the high FICO scores by making them too easy to attain.