Successful Amex Backdate!!

Firehorse · ‎09-25-2014

So I chatted with a rep online today and asked, "can I have my new card updated to show my orginal membership date?"

Told him it was somewhere in between 1989 when I started getting cards and 1996 where I had some trouble. He comes back and says, "I see you here in 1995. Do you want our team to look back further?" I say, 1995 is most likely right.

Three hours later I get an email that says Card Replacement Notification. So, I log in. BAM! There it was changed.

But I was a little astounded, "Card Member Since 1989" WTH? I'm sure that's wrong but I'll take it!! Even if I feel a little dirty right now.

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Amex Blue Cash Everyday: $4.2k - BD 1989

San Francisco First Responder: Neighborhood Emergency Rescue Team

chalupaman · ‎09-25-2014

That's amazing. Congrats! That will really help out with AAoA a lot.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

b_diddy · ‎09-25-2014

Excellent. Congrats!

FICO Scores: EX 733 (1/17/15) EQ 761 (1/17/15) TU 750 (1/17/15)

coldnmn · ‎09-26-2014

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

MissMoni223 · ‎09-26-2014

CONGRATS on your backdating success!!!

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)

Anonymous · ‎09-26-2014

Should be a good score boost.

Anonymous · ‎09-26-2014

Congrats on the backdate! You will see a big increase off of that. My wife plans on doing this next month. We're going to bring all of her balances to 0 and then apply for an AMEX and request a backdate.

Anonymous · ‎09-26-2014

Congrats

Anomalous · ‎09-26-2014

@Firehorse wrote:
So I chatted with a rep online today and asked, "can I have my new card updated to show my orginal membership date?"

Told him it was somewhere in between 1989 when I started getting cards and 1996 where I had some trouble. He comes back and says, "I see you here in 1995. Do you want our team to look back further?" I say, 1995 is most likely right.

Three hours later I get an email that says Card Replacement Notification. So, I log in. BAM! There it was changed.

But I was a little astounded, "Card Member Since 1989" WTH? I'm sure that's wrong but I'll take it!! Even if I feel a little dirty right now.

Congratulations! Thanks for sharing! I had an Amex that I burned back in 2000. I'll have to remember this backdate option whenever I get the nerve (and scores) to apply for another card in the future.

Keep both your credit and your body in top shape!

alvon123 · ‎09-26-2014

congrats