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AMEX Backdating Help

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Anonymous
Not applicable

Re: AMEX Backdating Help


@Anonymous wrote:

@fedxboy wrote:

 

You're post is really confusing to me, but I'm certainly no expert!!  Understandably, your scores should cause alarm, since you're only in your 20's as you say and you have backdated cards to 1970??????    I suspect as an AU?  I'd say your scores are not legit!  I thought Amex stopped backdating  for everyone, especially authorized users, since THIS could happen.....  I wonder what your scores would truly be without the Amex cards??   I have no answers for you, as you truly shouldn't be benefiting from backdated Amex cards, beyond your birthdate.  OH well, Good Luck!


The policies have changed over time, first AUs not getting date of member, then backdating stopping for everyone, but these apply only to new cards.  Any cards that had been backdated will still stay that way on the CR.

 

I see kogama says there is still a way.  Interesting if indeed true.


No one is getting backdated on their credit reports for new cards opened since 3/21/15.  We have had posters state the same before and invariably they are referring to what it says on their cards.

Message 11 of 23
fedxboy
Established Contributor

Re: AMEX Backdating Help


@Anonymous wrote:

@Anonymous wrote:

@fedxboy wrote:

 

You're post is really confusing to me, but I'm certainly no expert!!  Understandably, your scores should cause alarm, since you're only in your 20's as you say and you have backdated cards to 1970??????    I suspect as an AU?  I'd say your scores are not legit!  I thought Amex stopped backdating  for everyone, especially authorized users, since THIS could happen.....  I wonder what your scores would truly be without the Amex cards??   I have no answers for you, as you truly shouldn't be benefiting from backdated Amex cards, beyond your birthdate.  OH well, Good Luck!


The policies have changed over time, first AUs not getting date of member, then backdating stopping for everyone, but these apply only to new cards.  Any cards that had been backdated will still stay that way on the CR.

 

I see kogama says there is still a way.  Interesting if indeed true.


No one is getting backdated on their credit reports for new cards opened since 3/12/15.  We have had posters state the same before and invariably they are referring to what it says on their cards.


Truth!!  I opened an additional  Delta Amex in 11/2016 for the miles and although it says 88 on the card, it shows as 11/2016 opened on CR.....unlike my others



(7/23/16) AMEX FICO EX 728, (6/20/16) Discover FICO TU 747, (7/24/16) Barclays FICO 750 (TC Lines $400+K) AAoA= 4.3 yrs
Message 12 of 23
kogama
Valued Member

Re: AMEX Backdating Help

I have gotten people cards backdated in 2016 and 2017 and I do not mean the first date of card for cardmember, I mean for any AU cards it can still be backdated. Whether anyone believes it or not is of little concern to me.

Message 13 of 23
stellar
Established Contributor

Re: AMEX Backdating Help

I believe you!

 

Can you post how you did it?  Or sm me please.

Message 14 of 23
mitchblue
Valued Contributor

Re: AMEX Backdating Help


@Anonymous wrote:

@Anonymous wrote:

@fedxboy wrote:

 

You're post is really confusing to me, but I'm certainly no expert!!  Understandably, your scores should cause alarm, since you're only in your 20's as you say and you have backdated cards to 1970??????    I suspect as an AU?  I'd say your scores are not legit!  I thought Amex stopped backdating  for everyone, especially authorized users, since THIS could happen.....  I wonder what your scores would truly be without the Amex cards??   I have no answers for you, as you truly shouldn't be benefiting from backdated Amex cards, beyond your birthdate.  OH well, Good Luck!


The policies have changed over time, first AUs not getting date of member, then backdating stopping for everyone, but these apply only to new cards.  Any cards that had been backdated will still stay that way on the CR.

 

I see kogama says there is still a way.  Interesting if indeed true.


No one is getting backdated on their credit reports for new cards opened since 3/21/15.  We have had posters state the same before and invariably they are referring to what it says on their cards.


If they could have waited just a few days later, ugh ;-). My HH card I have was from March, 2015 I just missed the cutoff.

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)
Message 15 of 23
UncleB
Credit Mentor

Re: AMEX Backdating Help


@mitchblue wrote:

If they could have waited just a few days later, ugh ;-). My HH card I have was from March, 2015 I just missed the cutoff.

I missed the cutoff by less than three weeks... it would have been 1995 rather than 2015 on two cards.  Smiley Sad

Message 16 of 23
mitchblue
Valued Contributor

Re: AMEX Backdating Help


@UncleB wrote:

@mitchblue wrote:

If they could have waited just a few days later, ugh ;-). My HH card I have was from March, 2015 I just missed the cutoff.

I missed the cutoff by less than three weeks... it would have been 1995 rather than 2015 on two cards.  Smiley Sad


Fortunately the two cards I got in 2014 made it, all the way back to 2000. The only reason I applied for HH so it was kind of a bummer when they cut it out. But I actually like my HH, now Surpass, card. So it all works out.. Funny thing is I had no idea that Amex backdated when I got the Green and BCP. Just noticed a different date when I saw my report and came on here to find out Smiley Surprised

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)
Message 17 of 23
kogama
Valued Member

Re: AMEX Backdating Help

To the few of you who I spoke to, feel free to post your results in a month or two. It will hit your credit report in that time after they submit the request. I am not speaking about a cosmetic member since date change. 

Message 18 of 23
Anonymous
Not applicable

Re: AMEX Backdating Help


@kogama wrote:

To the few of you who I spoke to, feel free to post your results in a month or two. It will hit your credit report in that time after they submit the request. I am not speaking about a cosmetic member since date change. 


If this is a legitimate way of getting AUs backdated then why don't you post it here for everyone to see?

Message 19 of 23
mitchblue
Valued Contributor

Re: AMEX Backdating Help


@Anonymous wrote:

@kogama wrote:

To the few of you who I spoke to, feel free to post your results in a month or two. It will hit your credit report in that time after they submit the request. I am not speaking about a cosmetic member since date change. 


If this is a legitimate way of getting AUs backdated then why don't you post it here for everyone to see?


The billion dollar question..

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)
Message 20 of 23
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