topic Re: Question on Amex backdating... in Credit Cards

Question on Amex backdating...

Open123 — Sat, 05 Mar 2011 03:40:24 GMT

Following up on a prior "blacklisted" Amex thread, I received my Amex card today. I logged onto my account and saw "Member since 1990."

So, will my tradeline on this account be automatically backdated to 1990 on the various credit reports? Do I simply call csr and request a replacement card with my original membership date?

Thanks!

Re: Question on Amex backdating...

score_building — Sat, 05 Mar 2011 06:01:34 GMT

@Open123 wrote:
Following up on a prior "blacklisted" Amex thread, I received my Amex card today. I logged onto my account and saw "Member since 1990."

So, will my tradeline on this account be automatically backdated to 1990 on the various credit reports? Do I simply call csr and request a replacement card with my original membership date?

Thanks!

Yes it generally does, it did for me... can follow up w/ credit reporting office in the unlikely event the older date doesn't appear.

Re: Question on Amex backdating...

jefftca925 — Sat, 05 Mar 2011 06:12:17 GMT

@score_building wrote:

@Open123 wrote:
Following up on a prior "blacklisted" Amex thread, I received my Amex card today. I logged onto my account and saw "Member since 1990."

So, will my tradeline on this account be automatically backdated to 1990 on the various credit reports? Do I simply call csr and request a replacement card with my original membership date?

Thanks!
Yes it generally does, it did for me... can follow up w/ credit reporting office in the unlikely event the older date doesn't appear.

I received my Amex Green today in the mail too. The card as a Member Since date of 2011...but when I log onto my account it says since 1982. From what I've gathered it should report the 1982 date as the open date. I am soooo stoked!!

Re: Question on Amex backdating...

Open123 — Sat, 05 Mar 2011 06:45:04 GMT

@jefftca925 wrote:

@score_building wrote:

@Open123 wrote:
Following up on a prior "blacklisted" Amex thread, I received my Amex card today. I logged onto my account and saw "Member since 1990."

So, will my tradeline on this account be automatically backdated to 1990 on the various credit reports? Do I simply call csr and request a replacement card with my original membership date?

Thanks!
Yes it generally does, it did for me... can follow up w/ credit reporting office in the unlikely event the older date doesn't appear.

I received my Amex Green today in the mail too. The card as a Member Since date of 2011...but when I log onto my account it says since 1982. From what I've gathered it should report the 1982 date as the open date. I am soooo stoked!!

Talk about getting an instant AAOA boost!

Re: Question on Amex backdating...

jefftca925 — Sat, 05 Mar 2011 06:48:25 GMT

no kidding... and I have the TE Costco Amex on my radar for my next conquest. Need a couple of INQ to fall off first.

Re: Question on Amex backdating...

Anonymous — Sat, 05 Mar 2011 17:00:31 GMT

Whatever your member since date online says is what will be reported. If you want your new card to say that, just call the number on the back of your card, and follow the automated prompts for card replacement. Just explain you want a card with your correct member since date. Easy peasy.

Re: Question on Amex backdating...

Bangs21 — Sat, 05 Mar 2011 18:36:31 GMT

Just applied and got approved for a zync card. I was a cardholder in 1995.

Will Amex backdate my new card? Below is the card info currently on my experian report.

Account Name

AMEX

Account #

XXXXXXXXXXXXX

Account Type

Credit Card

Balance

Date Opened

2/1/1995


	Account Status	Closed
	Mo. Payment
Close Account Details	Past Due
	Payment Status	Paid satisfactorily
	High Balance
	Limit
	Terms	1 Month
	Comments	Credit line closed-grantor request-reported by subscriber

Re: Question on Amex backdating...

Open123 — Sat, 05 Mar 2011 19:18:38 GMT

@Bangs21 wrote:
Just applied and got approved for a zync card. I was a cardholder in 1995.
Will Amex backdate my new card? Below is the card info currently on my experian report.

Account Name

AMEX

Account #

XXXXXXXXXXXXX

Account Type

Credit Card

Balance

Date Opened

2/1/1995


	Account Status	Closed
	Mo. Payment
Close Account Details	Past Due
	Payment Status	Paid satisfactorily
	High Balance
	Limit
	Terms	1 Month
	Comments	Credit line closed-grantor request-reported by subscriber

According to what I've read on here and various forums, you're card should report 1995 though it will read "11" on the card you receive. When you log onto account summary, it'll report "Member since 1995."

Re: Question on Amex backdating...

score_building — Sat, 05 Mar 2011 23:58:39 GMT

Also can have the card reissued with older date on request if so desire.

Re: Question on Amex backdating...

jefftca925 — Sun, 06 Mar 2011 00:14:43 GMT

@Open123 wrote:

@Bangs21 wrote:
Just applied and got approved for a zync card. I was a cardholder in 1995.
Will Amex backdate my new card? Below is the card info currently on my experian report.

Account Name

AMEX

Account #

XXXXXXXXXXXXX

Account Type

Credit Card

Balance

Date Opened

2/1/1995


	Account Status	Closed
	Mo. Payment
Close Account Details	Past Due
	Payment Status	Paid satisfactorily
	High Balance
	Limit
	Terms	1 Month
	Comments	Credit line closed-grantor request-reported by subscriber

According to what I've read on here and various forums, you're card should report 1995 though it will read "11" on the card you receive. When you log onto account summary, it'll report "Member since 1995."

...and I assume every additional Amex-issued product will have the same opening date?

Re: Question on Amex backdating...

score_building — Sun, 06 Mar 2011 00:19:15 GMT

@jefftca925 wrote:

@Open123 wrote:

@Bangs21 wrote:
Just applied and got approved for a zync card. I was a cardholder in 1995.
Will Amex backdate my new card? Below is the card info currently on my experian report.

Account Name

AMEX

Account #

XXXXXXXXXXXXX

Account Type

Credit Card

Balance

Date Opened

2/1/1995


	Account Status	Closed
	Mo. Payment
Close Account Details	Past Due
	Payment Status	Paid satisfactorily
	High Balance
	Limit
	Terms	1 Month
	Comments	Credit line closed-grantor request-reported by subscriber

According to what I've read on here and various forums, you're card should report 1995 though it will read "11" on the card you receive. When you log onto account summary, it'll report "Member since 1995."

...and I assume every additional Amex-issued product will have the same opening date?

Yep that's one of the coolest things about it

Re: Question on Amex backdating...

MarineVietVet — Sun, 06 Mar 2011 00:34:16 GMT

Ya'll almost have me talked into finding someone with a 30 year old Amex and have myself addded as an AU.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Question on Amex backdating...

jefftca925 — Sun, 06 Mar 2011 00:40:53 GMT

According to what I've read on here and various forums, you're card should report 1995 though it will read "11" on the card you receive. When you log onto account summary, it'll report "Member since 1995."

...and I assume every additional Amex-issued product will have the same opening date?

Yep that's one of the coolest things about it

Yee-Haw!!! The only apps I'm gonna do in the future will be for Amex cards...but not for a while.

Re: Question on Amex backdating...

score_building — Sun, 06 Mar 2011 01:07:39 GMT

@jefftca925 wrote:

According to what I've read on here and various forums, you're card should report 1995 though it will read "11" on the card you receive. When you log onto account summary, it'll report "Member since 1995."

...and I assume every additional Amex-issued product will have the same opening date?

Yep that's one of the coolest things about it

Yee-Haw!!! The only apps I'm gonna do in the future will be for Amex cards...but not for a while.

Even the ones closed (to avoid fees, make room) will continue to benefit AAoA for up to ten years

Re: Question on Amex backdating...

Open123 — Sun, 06 Mar 2011 01:11:44 GMT

So, if I'm inclined to, what's to stop me from just opening an Amex no fee card, never use it, and have it increase my AAOA? I suppose, we'd have to look at the adverse effect of an inquiry taking on a new credit line juxtiposed by whatever potential score gains on the increase of account age.

Re: Question on Amex backdating...

score_building — Sun, 06 Mar 2011 01:25:54 GMT

They track usage very closely, so restraint is well advised but multiple products are possible even with relatively limited use.