topic Re: American Express Authorized User Question in Credit Cards

American Express Authorized User Question

Anonymous — Fri, 12 Apr 2013 23:37:34 GMT

My boyfriend recently just added me as an AU to his American Express account. He has been a Member since 2005. However My Member Date is appearing as March 2013 for me.

Is there anyway to have my American Express to report a Member Since date of 2005, if yes, what are the steps to do so?

Re: American Express Authorized User Question

Rackham94 — Fri, 12 Apr 2013 23:40:21 GMT

Has he closed any AMEX accounts in the past ?

http://ficoforums.myfico.com/t5/Credit-Cards/Amex-and-Backdating/m-p/1124167#M313576

Re: American Express Authorized User Question

Rackham94 — Fri, 12 Apr 2013 23:41:33 GMT

Their standard policy is to backdate AU's to the year they were added as an AU. Pretty good deal still.

Re: American Express Authorized User Question

Anonymous — Fri, 12 Apr 2013 23:42:01 GMT

No he has not closed any AMEX accounts. It has been open and active with a limit of $35,000k

Re: American Express Authorized User Question

Rackham94 — Fri, 12 Apr 2013 23:42:17 GMT

Pretty much if you ever open up your own AMEX in 2020 it would say member since 2013

Re: American Express Authorized User Question

Rackham94 — Fri, 12 Apr 2013 23:42:50 GMT

@Anonymous wrote:
No he has not closed any AMEX accounts. It has been open and active with a limit of $35,000k

Pretty impressive limit which cards does he have?

Re: American Express Authorized User Question

Anonymous — Fri, 12 Apr 2013 23:47:42 GMT

Honestly I do not know which card it is.

He saw me struggling to rebuild and "GET" some credit so he added me as an AU to his Amex 35k and Citi 15k but I told him that I did not want access to those cards. I mean adding me was such an amazing gesture and such a help I, in no way, want to do ANYTHING to mess with his PERFECT 800 credit score so I told him when the cards came to just cut them up and keep paying his bills on time like he has been.

I was just hoping that there was a way or some members have had some luck with having their AMEX AU accounts back dated as of present I have NO OTHER credit history...no good and no bad...

Re: American Express Authorized User Question

Rackham94 — Fri, 12 Apr 2013 23:50:06 GMT

Well his payment history will def show on your CR but as far as member date will be 2013 but the payment history and credit limit will report which is good for you. That is VERY nice of him but you didn't have to cut the cards lmao. AMEX charges for AUs I have my GF on my high limit cards I just SD the spare cards.

Re: American Express Authorized User Question

Rackham94 — Fri, 12 Apr 2013 23:52:04 GMT

It is important to note even though you are an AU some creditors do not consider AUs I would see if you can get a good builder card from Discover or Credit Union..

If not try Capital One you might even be able to get a Chase right out of the gate after 6 months or so

Re: American Express Authorized User Question

Anonymous — Fri, 12 Apr 2013 23:53:11 GMT

I figured if I had him cut up the cards..it would offer him a bit more piece of mind since it is 'his' credit I am piggybacking on. This will be such a huge help for me that I just wanted him to feel as safe as possible about offering me this help.

Re: American Express Authorized User Question

Anonymous — Fri, 12 Apr 2013 23:56:05 GMT

Which "Builder" cards from Discover are most recommended.

I was told I would be approved for a secured card from Cap1 but I do know I need to establish some sort of credit on my own...

Re: American Express Authorized User Question

Rackham94 — Fri, 12 Apr 2013 23:59:17 GMT

Well I am 18 and got approved the day after my 18th birthday for an UNSECURED Capital One Journey with no previous credit history or any tradelines at all. I would try to skip Secured cards some creditors do not like seeing this but YMMV since you got that AMEX on board.

Definitely apply for Discover It card!

Any inqs or loans or baddies on your report that you know of or is it completely empty?

Re: American Express Authorized User Question

Anonymous — Sat, 13 Apr 2013 00:03:35 GMT

I have no credit card/Public Records/etc baddies but I do have a Student Loan that will come out of the rehab process in August which might help my credit although I don't really understand how that works...

Re: American Express Authorized User Question

Rackham94 — Sat, 13 Apr 2013 00:06:28 GMT

Is your loan deffered until you graduate or you paying on it?

If so what is your monthly payment and balance.

Are you looking to get a home loan or car loan soon or you just want to build credit for later financial goals?

Re: American Express Authorized User Question

Anonymous — Sat, 13 Apr 2013 00:06:40 GMT

Also I just checked the "AbbreviationS" thread but I have no idea what

"SD"

means...what does that mean?

Re: American Express Authorized User Question

Anonymous — Sat, 13 Apr 2013 00:09:40 GMT

I'm paying off a student loan no deferment....

I am simply trying to build my credit. FInding myself recently single and 40 years old it is not good to not have ANY.

All three credit bureaus last month were unable to give me a FICO score as they said "I had no credit" and "Insufficient History"... Hence beginning on this journey...

I really wish there was a way to RECON the AMEX AU account it would help me out IMMENSELY.

Re: American Express Authorized User Question

Rackham94 — Sat, 13 Apr 2013 00:10:42 GMT

@Anonymous wrote:
Also I just checked the "AbbreviationS" thread but I have no idea what

"SD"

means...what does that mean?

Sock drawer basically putting it away and not using it at all sort of what you did but not shred the actual card because it takes at least 7 days to send another one I.C.E

I read a post you made in Rebuilders board. When you deleted your TLs was there a reason for that or just wanted to start over?

Re: American Express Authorized User Question

Anonymous — Sat, 13 Apr 2013 00:20:15 GMT

No if you read another post I did...I did not have them deleted...I had them removed as they were fraudulent TL's.

I had a roommate that knew I did not use credit and had opened a Time Warner Cable account in my name and an HSBC Orchard Bank card in my name that I discovered on February 4 and it took me up until 2 weeks ago to have them removed (deleted) but when that happened all three CRA's said I had no credit.

Re: American Express Authorized User Question

Anonymous — Sat, 13 Apr 2013 00:39:20 GMT

Does anyone know which CC's do not take into account AU TL's on a credit report?

Re: American Express Authorized User Question

MazdaSpeed — Sat, 13 Apr 2013 01:23:14 GMT

Bump, I have the same question about what CCs don't count AUs

I'm hoping discover does