topic Re: Amex Member since ?? in Credit Cards

Amex Member since ??

Anonymous — Thu, 18 Sep 2008 13:00:38 GMT

Good Morning All,

I obtained an AMEX Jet Blue in Feb 08. I use the card primarily for plane tickets and pay it off montly (or at the most 2 months). This morning I logged on to check my balance at at the top of the screen it sayes member since 1989. now this may have been there all the time, but this is the 1st time that I noticed it. Here's the deal. I did have a card with them back in '89. The card went bad, but I payed everything that i owed them. My question is, should my crediti reports reflect that I have had an account with them since '89?

WBLAKE

Re: Amex Member since ??

Tons_of_Debt — Thu, 18 Sep 2008 13:01:26 GMT

Amex is known for doing this

Re: Amex Member since ??

score_building — Thu, 18 Sep 2008 13:35:42 GMT

WBLAKE wrote:
Good Morning All,

I obtained an AMEX Jet Blue in Feb 08. I use the card primarily for plane tickets and pay it off montly (or at the most 2 months). This morning I logged on to check my balance at at the top of the screen it sayes member since 1989. now this may have been there all the time, but this is the 1st time that I noticed it. Here's the deal. I did have a card with them back in '89. The card went bad, but I payed everything that i owed them. My question is, should my crediti reports reflect that I have had an account with them since '89?

WBLAKE

Lucky fella, the news is good. to your credit, your old card history was 'resurrected' and should be updated on all of your cra's about 60 days from when they changed it on your account (mine updated in less than 3 weeks with tu and eq -i'm still waiting on ex. amex told me to just dispute online and the data would be resent to ex and then hopefully updated) depending on your account history this could offer a notable boost to your scores. i gained between 15 - 35 points -since other changes happened during this time i can't be sure exactly how much of the boost was because of the longer history. since it may also prompt a bucket shift it is hard to predict exactly what effect it will have scorewise, but it should be good for increasing the max score you can obtain in any case. Yay- 19 years of history places you squarley in line with 'high achievers' whose oldest acct. is on avg. 19 years old according to myfico f/b. congrats!!

Message Edited by score_building on 09-18-2008 06:35 AM

Re: Amex Member since ??

rom828 — Fri, 19 Sep 2008 20:29:22 GMT

Well, I've never had an Amex until April of this year, when I apped and received Blue, Green and Delta.

Just this past week I noticed when I logged in, it now says member since 1995 instead of 2008!!!

I have NEVER had an Amex card until 2008!!

This date is already being reported and is showing on my 9-16 EQ report and has increased history by 2 years, as my legitimate oldest account still on report is a 1997 car loan. Didn't appear to have any effect on score.

I'm afraid to call Amex, though, after all the CLD drama I'm reading about. I'm thinking I'll just let it sit til they figure out their mistake......I don't want to rock the boat!!

Re: Amex Member since ??

Anonymous — Fri, 19 Sep 2008 23:56:34 GMT

rom828 wrote:

I have NEVER had an Amex card until 2008!!

ever an authorized user on an amex account? issued a corp card? any association ever?

amex just doesn't slip up like that. congrats!

Re: Amex Member since ??

rom828 — Sat, 20 Sep 2008 01:23:15 GMT

No, I have never, never had an Amex or been an AU or anything.

Ever.

Never.

I find it rather odd myself, as it just appeared.....before, it showed correctly as member since 2008.

Maybe they were doing updating on someone who happens to have the same name?!?!?!

Re: Amex Member since ??

haulingthescoreup — Sat, 20 Sep 2008 01:24:25 GMT

shhhh....

Re: Amex Member since ??

score_building — Sat, 20 Sep 2008 03:30:40 GMT

mum's the word-

Re: Amex Member since ??

rom828 — Sat, 20 Sep 2008 14:45:28 GMT

haulingthescoreup wrote:
shhhh....

You ain't kidding!! I'm walking around in my sock feet so they won't hear me!! **

**Side note to Hauling: I know I'm probably overdoing it right now....I'm just so excited to finally know how it works!!

Re: Amex Member since ??

haulingthescoreup — Sat, 20 Sep 2008 15:09:25 GMT

Quote frenzy strikes!

Re: Amex Member since ??

Anonymous — Sat, 20 Sep 2008 15:19:08 GMT

Talk to the parents maybe they added you a long time ago never gave you the card because you forgot to take out the trash one day lol.

Re: Amex Member since ??

score_building — Sat, 20 Sep 2008 15:36:10 GMT

@rom828 wrote:
You ain't kidding!! I'm walking around in my sock feet so they won't hear me!! **

yes, shoes off and don't check your email for starters! lol.

Re: Amex Member since ??

rom828 — Sat, 20 Sep 2008 19:09:01 GMT

shreco wrote:
Talk to the parents maybe they added you a long time ago never gave you the card because you forgot to take out the trash one day lol.

Nope, my parents have been deceased since 1993, and my father had 1, yes 1, credit card....a Mastercard, that he used maybe twice a year, and then fretted , waiting for the bill to come so he could get it paid!!!

I dunno....very curious.....but I'm just gonna keep laying low. I don't want to be dishonest by not advising them of their error, but given their CLD ways, I don't want to have to contact them about anything!!!!!!!!!!!!!!!!!!

Message Edited by rom828 on 09-20-2008 12:09 PM

Re: Amex Member since ??

rom828 — Mon, 22 Sep 2008 19:12:29 GMT

Something just dawned on me that may be the reason for this change of member date.

I think this was on the 12th, may have been the 15th, when I logged in to pay my Amex bill, my accounts all showed up, but none of the them had any limits shown and I couldnt gain access to any of the accounts.

Of course my heart sank and I thought, this is it, they've taken it all away!

I called Amex, and the CSR advised she'd just received email that the system was completely down and so CSRs could not access accounts in any capacity. She advised it was supposed to be corrected within about half hour.

Went back on line about an hour later and sure enough, everything was up and running, my balances shown etc.

I didn't notice the different date at that time....was too panicked about the possibility of having lost my CLs, but I bet that's when it happened. With all the posts about Amex CLDs, I check my account at least one a day, or as Hauling suggested on another post....probably twice a day....and I noticed the member date on the date of my original post on the 19th, but it may have been there when they restored the system.

Doesn't this seem logical that it could have happened this way??!?! I'm still just stymied over this, but still think my most prudent course of action at this time is "no action" , although part of me is concerned about the dishonesty.