Backdating with AMEX

[Walt_K]

I never have paid that much attention as to how to calculate AAoA, so forgive if this is a stupid question.  But is it all accounts, i.e., installment loans too or just credit cards?  OP is only listing credit cards.  If installment loans count, does OP have any installment loans that aren't being considered and could explain the discrepancy?

[kromix]

I already have my spreadsheet running and using the =TODAY() command, just wanted to get more info on how the rounding goes

[DI]

It would be great if there were some type of software that can calculate the AAoAs.  I have 44 accounts which is too many for me to figure out the AA. 

[kromix]

DI

Excel is the easiest, do u have any experience with excel at all?

[DI]

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@kromix wrote:

DI

Excel is the easiest, do u have any experience with excel at all?

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Yes.  I have all of my accounts and opening dates listed in an Excel spreadsheet.  I followed the format of another member after seeing theirs.   

[clocktick]

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@UFGuy2006 wrote:

Yes they should backdate as long as you closed the account when it was in good standing. Good luck! (BTW I'd personally look into a Charge/Revolving card combo with AMEX instead of two charge cards. Just my two cents!)

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My account was settled/not in full but my Amex cards are all backdated. 

[MarineVietVet]

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@Walt_K wrote:

I never have paid that much attention as to how to calculate AAoA, so forgive if this is a stupid question.  But is it all accounts, i.e., installment loans too or just credit cards?  OP is only listing credit cards.  If installment loans count, does OP have any installment loans that aren't being considered and could explain the discrepancy?

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Yes it is every account listed on your reports.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[DI]

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@MarineVietVet wrote:

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@Walt_K wrote:

I never have paid that much attention as to how to calculate AAoA, so forgive if this is a stupid question.  But is it all accounts, i.e., installment loans too or just credit cards?  OP is only listing credit cards.  If installment loans count, does OP have any installment loans that aren't being considered and could explain the discrepancy?

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Yes it is every account listed on your reports.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

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Even duplicate acccounts?  Does duplicate accounts affect the AA?

[CS800]

Marine:

By every account you mean: Mortgage, Credit Cards, Store Cards, Car Loans, Student Loans?

And the accounts need to be reporting on the credit reports. So one should add all the 'opened dates' of the accounts to calculate the AAoA per credit bureau since there are creditors that don't report to all the CB's?

[haulingthescoreup]

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@DI wrote:

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@MarineVietVet wrote:

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@Walt_K wrote:

I never have paid that much attention as to how to calculate AAoA, so forgive if this is a stupid question.  But is it all accounts, i.e., installment loans too or just credit cards?  OP is only listing credit cards.  If installment loans count, does OP have any installment loans that aren't being considered and could explain the discrepancy?

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Yes it is every account listed on your reports.

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Even duplicate acccounts?  Does duplicate accounts affect the AA?

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Yep. With a duplicate resulting from fraud, lost card, etc., the original is only supposed to report for two years, but during that time, both are factored in.

edit: trying to type with a cat in my lap.