topic Re: Does Discover Backdate in Credit Cards

Does Discover Backdate

degs138 — Mon, 08 Feb 2016 18:20:19 GMT

I had a discover Card in college. It has long since been cancelled paid as agreed and fell off my report. Does Discover backdate? I'd like to open a new account with Discover but I was wondering if they would backdate my account to when I opened the previous one in 2003? Does anyone know if they do that?

Re: Does Discover Backdate

orl2185 — Mon, 08 Feb 2016 18:25:21 GMT

@degs138 wrote:
I had a discover Card in college. It has long since been cancelled paid as agreed and fell off my report. Does Discover backdate? I'd like to open a new account with Discover but I was wondering if they would backdate my account to when I opened the previous one in 2003? Does anyone know if they do that?

Unfortunate, they don't back date accounts.

Re: Does Discover Backdate

degs138 — Mon, 08 Feb 2016 18:33:16 GMT

I guess it's just time to age my accounts. I've done all I can to raise my credit. I have 14 total accounts, no missed payments AAOA 4.6 years and no baddies, lates, collections ect. I've just got to let my accounts age and keep my utility around 7% or less and let my accounts get old. I was hoping to backdate one account because then my AAOA would go to 6 years which could give me a bump.

Also one other question. I applied for the wrong AMEX blue instead of the BCP. I had to cancel the Blue and then approve BCP to open. I cancelled the Blue before activation. It is reporting on my credit as Closed paid as agreed. Its taking a bit off my AAoA. IS there a way to get this removed and just have my BCP card report?

Re: Does Discover Backdate

orl2185 — Mon, 08 Feb 2016 19:48:12 GMT

@degs138 wrote:
I guess it's just time to age my accounts. I've done all I can to raise my credit. I have 14 total accounts, no missed payments AAOA 4.6 years and no baddies, lates, collections ect. I've just got to let my accounts age and keep my utility around 7% or less and let my accounts get old. I was hoping to backdate one account because then my AAOA would go to 6 years which could give me a bump.

Also one other question. I applied for the wrong AMEX blue instead of the BCP. I had to cancel the Blue and then approve BCP to open. I cancelled the Blue before activation. It is reporting on my credit as Closed paid as agreed. Its taking a bit off my AAoA. IS there a way to get this removed and just have my BCP card report?

Use their chat method to address your concerns and questions you may have. They really are helpful. Good luck to you.

Re: Does Discover Backdate

OmarGB9 — Mon, 08 Feb 2016 20:06:04 GMT

Unfortunately there's no way to remove the closed card off your report. Unless by some chance Amex is willing to remove the TL, but it's highly unlikely. You could try asking them, though.

Re: Does Discover Backdate

ojefferyo — Tue, 09 Feb 2016 00:19:52 GMT

@degs138 wrote:
I guess it's just time to age my accounts. I've done all I can to raise my credit. I have 14 total accounts, no missed payments AAOA 4.6 years and no baddies, lates, collections ect. I've just got to let my accounts age and keep my utility around 7% or less and let my accounts get old. I was hoping to backdate one account because then my AAOA would go to 6 years which could give me a bump.

Also one other question. I applied for the wrong AMEX blue instead of the BCP. I had to cancel the Blue and then approve BCP to open. I cancelled the Blue before activation. It is reporting on my credit as Closed paid as agreed. Its taking a bit off my AAoA. IS there a way to get this removed and just have my BCP card report?

They wn't remove the tradeline because it is accurately reporting regardless of when you opened and closed it. They "may" do a courtesy removal but it's a very slim chance.