AMEX ZYNC APPROVED!

[TheR105]

OMG!! I finally decided to take a chance. I had an AMEX card back in 1999 and I really wanted the back dating. Went for it and got it!!!

[DI]

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@TheR105 wrote:

OMG!! I finally decided to take a chance. I had an AMEX card back in 1999 and I really wanted the back dating. Went for it and got it!!!

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Congrats to you!  Make sure it shows 1999 on your credit reports too.

[TheR105]

Will do and to be honest it may be 1995 or so I can exactly remember but I do have the card number. If my AAOA is currently 5 years where do you think this will put me?

[slarano]

May I ask why you no longer have the older card? And was it in good standing when it was closed?

[TheR105]

It had a very small balance of like $64 and I had to file BK back in 2001 for other reason. So needless to say I was totally excited to be accepted again. I know a lot of people like myself want to know what my score was. My fico EQ 633 and My fico TU 645 also some old charge offs and 2 collections so it can be done. I want people to know that it may be worth the shot. 

[clocktick]

I believe they typically pull EX but that is great news, good for you!

Did it just recently fall of your reports?

[TheR105]

They do pull EX but I don't have that score just giving a ball park. My bk came off in Jan. Thanks

[slarano]

Please let me/us know how it goes with attempting to backdate the card. Did you close it before BK, or was it included in those proceedings? Reason I ask is I was unable to backdate my Zync to an old Gold card I had via Authorized User status because the main cardholder lost the card in their own bankruptcy. AMEX said they only backdate to open/closed accounts that remained in good standing/weren't linked to BK.

[TheR105]

I didn't know that it was part of the bk because I had to list everything. Once I get the card I will post of they let me back date or not.

[jdogi]

Sorry to bump, but it may save someone else the effort of digging to find the results.

The OPs AMEX card and reporting were backdated.

I eagerly await the day that I can app for an AMEX and hopefully get a TL dated back to '92.  It was my first card ever, but I closed it since poor college students have no need of annual fees when there is beer to be bought.