Amex Member Start Date Benefit of AAOA Enhancement

SOGGIE · ‎08-08-2014

For those who don't mind sharing, if you were approved for an Amex card and benefited from the Member Start Date (backdating), how many points did your scores increase? And what were both your former and current AAOA before the benefit?

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

heyarrnold · ‎08-08-2014

Before:

Score: 716

Available Credit: 38k

AAOA 1.8 years

After:

Score: 788

Available Credit: 80.5k

AAOA: 3.9 years

SOGGIE · ‎08-08-2014

@heyarrnold wrote:
Before:
Score: 716
Available Credit: 38k
AAOA 1.8 years

After:
Score: 788
Available Credit: 80.5k
AAOA: 3.9 years

Thanks for your response heyArrnold? Not bad: 72-point increase for 2.1-years increase in AAOA.

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

heyarrnold · ‎08-08-2014

@SOGGIE wrote:
@heyarrnold wrote:
Before:
Score: 716
Available Credit: 38k
AAOA 1.8 years

After:
Score: 788
Available Credit: 80.5k
AAOA: 3.9 years
Thanks for your response heyArrnold? Not bad: 72-point increase for 2.1-years increase in AAOA.

No problem.

Well, inquiries fell off and my limits increased. So that also helped lol.

SOGGIE · ‎08-08-2014

Would any others care to share?

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

longtimelurker · ‎08-08-2014

@SOGGIE wrote:
Would any others care to share?

There are so many variables not sure what could be learned! I don't have mine before and after scores from when I got my second card in Dec, but it backdated 26 years (yeah), but with a think file of around 50 closed and open lines, that adds only 6 months AAoA. And at the same time, inqs aged off. So it is hard to tell the actual impact on score.

Anonymous · ‎08-08-2014

heyarrnold:

How do you have such an old backdate? If thats the case you would have had an Amex when you were just born (assuming you are 23 as stated)? Very confused and would like to know how you did it.

heyarrnold · ‎08-08-2014

@Anonymous wrote:
heyarrnold:
How do you have such an old backdate? If thats the case you would have had an Amex when you were just born (assuming you are 23 as stated)? Very confused and would like to know how you did it.

I am 21 lol.

I was an AU and was backdated to the original MSD of the account holder.

EDIT:

To elaborate, ACM's, prior to 2011, were backdated to the original MSD of the account holder.

SOGGIE · ‎08-08-2014

Thanks for sharing!

@longtimelurker wrote:
@SOGGIE wrote:
Would any others care to share?
There are so many variables not sure what could be learned! I don't have mine before and after scores from when I got my second card in Dec, but it backdated 26 years (yeah), but with a think file of around 50 closed and open lines, that adds only 6 months AAoA. And at the same time, inqs aged off. So it is hard to tell the actual impact on score.

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

SOGGIE · ‎08-08-2014

@heyarrnold wrote:
@Anonymous wrote:
heyarrnold:
How do you have such an old backdate? If thats the case you would have had an Amex when you were just born (assuming you are 23 as stated)? Very confused and would like to know how you did it.
I am 21 lol.

I was an AU and was backdated to the original MSD of the account holder.

I believe esb may have mistakenly referred to longtimelurker's backdate of 26 years.

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben