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Amex reporting new accounts

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09Lexie
Moderator Emerita

Re: Amex reporting new accounts


@iwant700fico wrote:
All I care about is my fico score to improve not worried about manual review.

It depends, what was your AAOA before the Amex? And what will it be after it reports?

Message 11 of 30
iwant700fico
Frequent Contributor

Re: Amex reporting new accounts

5 years 6month.
EQ 786 2/2018
TU 792 8/2018
EX 776 2/2018 Chase CSR $28.5k
Barclay Advantage $17.5 k
Amex BCE $29k
CITI Advantage $24.2k
Amex HILTON $13k
Total Rewards visa $20K
Chase INK $11k
Chase Sapphire Reserve $28.5k
BOA 8k
Discover IT 8K
Message 12 of 30
09Lexie
Moderator Emerita

Re: Amex reporting new accounts


@iwant700fico wrote:
5 years 6month.

If the backdated account  only gives you a few months, then I wouldn't expect a big bump.  Using me as an example, my MSD is 1985, adding another Amex would only be beneficial if I go on an app spree or TLs drop off my credit report.

 

I'm currently at 6.27 yrs, I have two mtgs that are due to fall off in Aug/Sept.  The Amex I just added would put me at 6.60 when the two mtgs drop.  Assuming they didn't fall off, I'll be at 7.15y

 

Have you calculated your new AAOA?

 

 

http://seemly.com/aaoa-calculator/

Message 13 of 30
iwant700fico
Frequent Contributor

Re: Amex reporting new accounts

My AAOA now is 3 years with Amex I go to 4 Years 10 month.

EQ 786 2/2018
TU 792 8/2018
EX 776 2/2018 Chase CSR $28.5k
Barclay Advantage $17.5 k
Amex BCE $29k
CITI Advantage $24.2k
Amex HILTON $13k
Total Rewards visa $20K
Chase INK $11k
Chase Sapphire Reserve $28.5k
BOA 8k
Discover IT 8K
Message 14 of 30
09Lexie
Moderator Emerita

Re: Amex reporting new accounts


@iwant700fico wrote:

My AAOA now is 3 years with Amex I go to 4 Years 10 month.


IME, you'll see a better bump at 5+ years.  By Sept, it should give you a few more points assuming your util is low. 

Message 15 of 30
CreditPlay
Frequent Contributor

Re: Amex reporting new accounts


@iwant700fico wrote:

I am applying for mortgage and Amex backdated me to 1989 so I need this asap to show up on CB's. I called their credit bureau dept  back in early July and csr said it would be reported on the 28th July. Is there a delay with CB's from when they get their data from Amex till they update?


For me second statement cut on 7/27, i was able to see it on my report 7/29 morning. It takes a day atleast for EX, other two gets updated in another 3-7 days


         
FICO08 12/2014EQ 777TU 799EX 767
 
    
Message 16 of 30
iwant700fico
Frequent Contributor

Re: Amex reporting new accounts

thanks jayx for info.

EQ 786 2/2018
TU 792 8/2018
EX 776 2/2018 Chase CSR $28.5k
Barclay Advantage $17.5 k
Amex BCE $29k
CITI Advantage $24.2k
Amex HILTON $13k
Total Rewards visa $20K
Chase INK $11k
Chase Sapphire Reserve $28.5k
BOA 8k
Discover IT 8K
Message 17 of 30
iwant700fico
Frequent Contributor

Re: Amex reporting new accounts

EX finally reported it this morning , got whopping 6 pts increase. I am now 733

EQ 786 2/2018
TU 792 8/2018
EX 776 2/2018 Chase CSR $28.5k
Barclay Advantage $17.5 k
Amex BCE $29k
CITI Advantage $24.2k
Amex HILTON $13k
Total Rewards visa $20K
Chase INK $11k
Chase Sapphire Reserve $28.5k
BOA 8k
Discover IT 8K
Message 18 of 30
CreditPlay
Frequent Contributor

Re: Amex reporting new accounts


@iwant700fico wrote:

thanks jayx for info.


You are welcome. Let us know when you see the new amex TL!


         
FICO08 12/2014EQ 777TU 799EX 767
 
    
Message 19 of 30
CreditPlay
Frequent Contributor

Re: Amex reporting new accounts


@iwant700fico wrote:

EX finally reported it this morning , got whopping 6 pts increase. I am now 733


We posted at the same time... Great news i got a few more points than you Smiley Wink  congrats!!!


         
FICO08 12/2014EQ 777TU 799EX 767
 
    
Message 20 of 30
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