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Chazman wrote:
Geez! That bumps my average age from 5 to 9 years!! And, instead of the original Amex only reporting on Experian, the date will report on all 3 CRAs. Will I rebucket on average age?
@Chazman wrote:Thanks Cheddar - I just got off the phone and, strangely, the card replacement rep told me she couldn't locate the original account, "but the CSR was able to." Anyway, she said no prob with the switching the opened date on my Blue card from 2006, back to the original 8/87 date. Said I'll receive the replacement Blue card (with the same acct#) in a couple of weeks)Does that mean I just picked up 19 or so years of clean credit history on my Blue?
Rebucket Update (9/2): results of "changing" my AMEX "opened" date back from 1996 to 1987; oldest account jumped from 13+ to 21+ years, avg age jumped from 5 to 9+ years....
And my EQ FICO Score..drumroll please....fell 17 points. Rebucketing at it's finest, I suppose, but good news is my FICO simulator target margins moved up 40 points across the board (low and high).
Patience is a virtue
A wonderful rebucketing story - get the mods to put it somewhere useful!
Chazman wrote:Rebucket Update (9/2): results of "changing" my AMEX "opened" date back from 1996 to 1987; oldest account jumped from 13+ to 21+ years, avg age jumped from 5 to 9+ years....
And my EQ FICO Score..drumroll please....fell 17 points. Rebucketing at it's finest, I suppose, but good news is my FICO simulator target margins moved up 40 points across the board (low and high).
Patience is a virtue
Err, where?
@MidnightVoice wrote:A wonderful rebucketing story - get the mods to put it somewhere useful!
@Chazman wrote:Rebucket Update (9/2): results of "changing" my AMEX "opened" date back from 1996 to 1987; oldest account jumped from 13+ to 21+ years, avg age jumped from 5 to 9+ years....
And my EQ FICO Score..drumroll please....fell 17 points. Rebucketing at it's finest, I suppose, but good news is my FICO simulator target margins moved up 40 points across the board (low and high).
Patience is a virtue