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Received first AMEX card at 21 years old in 1999. Was irresponsible and didnt realize the entire balance was due the next month. Didnt pay and was charged off. Made payment full to AMEX a year or two later. Mother opens up business account in 2006 and adds me as an authorized user. Still have card with my name on it but the account is under her name.
If I apply for an AMEX card now, will I be able to backdate it to 1999? Or at least, 2006? I finally have my credit repaired/fixed and the only thing keeping my scores down is the AAoA.
Any suggestions would be great. Chet
Amex backdating is dead - No longer applicable.
American Express no longer backdates to the credit bureaus. If you call them to backdate, they'll simply change your member since date but it will not show on your credit bureaus.
got it. thanks. didnt realize this.
@Anonymous wrote:got it. thanks. didnt realize this.
Unfortunately, you missed the boat departure on March 21, 2015 (or somewhere around that time).
Most likely it will show a member since date of 1999 on your physical card and on the website when you login. Unfortunately, as other people have mentioned, the backdating won't translate to the CRAs.
BoA doesn't either which I think is different. After a 5 year absence with them, I registered my Cash Rewards card online. The computer brought up my old user id and just prompted for a new password. Although my address was updated, my online acct still showed showed my CU checking info on Bill Pay. That in itself seems to be proof enough! Dang!
i have a AMEX PRG since 2002, if i product change to BCE will it reports the same date 2002 in my report?
@vAirGo7 wrote:i have a AMEX PRG since 2002, if i product change to BCE will it reports the same date 2002 in my report?
Pretty sure that they won't let you PC your PRG charge card to athe BCE, a revolver.
Posts like these on AMEX backdating make it difficult to repress the memory
TU: 818 EX: 809 EQ: 801