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@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?
@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?
My AAOA now is 3 years with Amex I go to 4 Years 10 month.
@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.
@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 12/2014 | EQ 777 | TU 799 | EX 767 |
thanks jayx for info.
EX finally reported it this morning , got whopping 6 pts increase. I am now 733
@iwant700fico wrote:thanks jayx for info.
You are welcome. Let us know when you see the new amex TL!
FICO08 12/2014 | EQ 777 | TU 799 | EX 767 |
@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 congrats!!!
FICO08 12/2014 | EQ 777 | TU 799 | EX 767 |