topic Re: AMEX Backdate after Chapter 7 BK in Credit Cards

AMEX Backdate after Chapter 7 BK

WJL — Tue, 30 Apr 2019 20:47:35 GMT

Hi all, has anyone who has Ch 7 BK and got an AMEX afterwards been also able to request a backdate? Thanks!

Re: AMEX Backdate after Chapter 7 BK

Remedios — Tue, 30 Apr 2019 20:49:48 GMT

Backdate as in cosmetic "Member since" or actually backdate card opening date?

Re: AMEX Backdate after Chapter 7 BK

Anonymous — Tue, 30 Apr 2019 20:50:35 GMT

@WJL wrote:
Hi all, has anyone who has Ch 7 BK and got an AMEX afterwards been also able to request a backdate? Thanks!

"Real" backdating stopped a while back. Anyone, BK or not, who gets an Amex, doesn't get a backdate where it matters (credit report). On the card it might say Member Since a long time ago, but the value of that is, well, very small indeed.

Re: AMEX Backdate after Chapter 7 BK

WJL — Tue, 30 Apr 2019 22:57:53 GMT

Both, but it looks like it's only cosmetic now. Thanks!

Re: AMEX Backdate after Chapter 7 BK

Anonymous — Tue, 30 Apr 2019 23:08:23 GMT

@WJL wrote:
Hi all, has anyone who has Ch 7 BK and got an AMEX afterwards been also able to request a backdate? Thanks!

American Express stopped backdating new accounts with the credit reporting agencies in March 2015.

Amex No Longer Backdating to Credit Bureaus

Re: AMEX Backdate after Chapter 7 BK

drboxing — Wed, 01 May 2019 00:09:17 GMT

Yes filed BK 2006, blackballed until 2016, all my cards read member since 1994

Re: AMEX Backdate after Chapter 7 BK

WJL — Wed, 01 May 2019 01:50:04 GMT

@drboxing - thanks for sharing!

Re: AMEX Backdate after Chapter 7 BK

pizza1 — Wed, 01 May 2019 02:07:39 GMT

@WJL, Amex will backdate your CC if and when you you're able to get another one, but WONT backdate your "member since" to the CRA. It will be a new account reporting.