@Juss11 wrote:
So I was an AU in 1987 on my dads Amex. When I opened my new cards a few months ago my MSD showed 1994. That ws when I got my own card. I did Amex chat and told them I was an AU when I was 15 on my dads account. My dad still has his account & even has my old card. They said no problem & backdated it to 1987. So now Equifax (which I heard it does for everyone) reset my bithdate to 0. So I applied for a credit card from my local Credit Union(Kern Schools) a few days ago. My card was not instaly aproved & had to call in. Loan officer wanted to know how I had credit before I was 18? I told her I was AU on my dads account and Amex kept my MSD from 1987. She said the computer must of kicked it out over that. So after that I was approved. Has any one else ran into this problem?
I've only ever had that type of issue when I've applied at my CU. My very first SL was disbursed when I was still 17 (September 1997), so I have credit from prior to my 18th birthday. I received my first AMEX when I was 18, but since my birthday is January, I probably won't have too much issue in the future with my MSD.
Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Rakuten AMEX $12500 | Sephora VS $11900 | Wayfair MC $9500 |~~
equifax reset your birthdate to 0? You mean your date of birth deleted from equifax file? Did you try calling Equifax? 
