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I dont want to take a chance that maybe I alarm them to something and they change it back to 2012...I had heard that AU accounts wont back date on Amex accounts.....Not sure on what I should do.....
@amercnchopz34 wrote:I dont want to take a chance that maybe I alarm them to something and they change it back to 2012...I had heard that AU accounts wont back date on Amex accounts.....Not sure on what I should do.....
If you're worried about it, just leave them as they are for now. Mine did the same thing - accounts backdated to 2006 on my CRA and online, but the card said 2012. It doesn't really matter what the card has on it, as long as the others are correct.
And yes, I would probably leave them alone if it were me, since Amex has gotten weird about backdating additional card members. Maybe you could wait a few months until everything has reported for a while, then you could ask for cards with the correct date (just suppositioning here).
Oh yeah, congrats on the backdate X 3!
@TNTransplant wrote:
@amercnchopz34 wrote:I dont want to take a chance that maybe I alarm them to something and they change it back to 2012...I had heard that AU accounts wont back date on Amex accounts.....Not sure on what I should do.....
If you're worried about it, just leave them as they are for now. Mine did the same thing - accounts backdated to 2006 on my CRA and online, but the card said 2012. It doesn't really matter what the card has on it, as long as the others are correct.
And yes, I would probably leave them alone if it were me, since Amex has gotten weird about backdating additional card members. Maybe you could wait a few months until everything has reported for a while, then you could ask for cards with the correct date (just suppositioning here).
Oh yeah, congrats on the backdate X 3!
thanks TNT.....I was shocked to see that online.....is there a chance if I leave it alone that maybe it does not report to 1996 on my CR???
@amercnchopz34 wrote:
@TNTransplant wrote:
@amercnchopz34 wrote:I dont want to take a chance that maybe I alarm them to something and they change it back to 2012...I had heard that AU accounts wont back date on Amex accounts.....Not sure on what I should do.....
If you're worried about it, just leave them as they are for now. Mine did the same thing - accounts backdated to 2006 on my CRA and online, but the card said 2012. It doesn't really matter what the card has on it, as long as the others are correct.
And yes, I would probably leave them alone if it were me, since Amex has gotten weird about backdating additional card members. Maybe you could wait a few months until everything has reported for a while, then you could ask for cards with the correct date (just suppositioning here).
Oh yeah, congrats on the backdate X 3!
thanks TNT.....I was shocked to see that online.....is there a chance if I leave it alone that maybe it does not report to 1996 on my CR???
Nope, I think you're fine right now and will get the backdate. The "Member Since" date on your online account is what reports to the CRA. They do not go by the date on the card.
thanks.........i appreciate the info
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@creditnocash wrote:
Yes that's correct every new Amex you apply for should read opened since 96 so that's 3 accounts with 17 years of backdating each.
If you waited until jan it would've been 18 years
amex green wont help me with backdating right...does not report a balance right??
@amercnchopz34 wrote:
@creditnocash wrote:
Yes that's correct every new Amex you apply for should read opened since 96 so that's 3 accounts with 17 years of backdating each.
If you waited until jan it would've been 18 years
amex green wont help me with backdating right...does not report a balance right??
Nope. Your green card will still get the backdate. And, it will still report a balance if you've not PIF before your statement cuts. However, in most FICO models the balance won't be calculated as part of your overall utilization.