My mom put me as an authorized user when i was a teenager to help start my credit. Its going to fall off my credit report in the next year or so (10 years).
I don't think I'd be approved for any AMEX now, but should that be my goal before my AU amex reporting expires? It would help my AAOA tremendously.
The old account was closed and paid on time. Would it help me gain an AMEX? Will it be backdated?
Thank you
My scores are mid 600's, 3 oooold baddies, 4 years on time, no collections, 50k income.
I don't think I'd be approved for any AMEX now, but should that be my goal before my AU amex reporting expires? It would help my AAOA tremendously.
The old account was closed and paid on time. Would it help me gain an AMEX? Will it be backdated?
Thank you
My scores are mid 600's, 3 oooold baddies, 4 years on time, no collections, 50k income.
Whaaaaaaat? You think? I didn't mention I have like 12 inq
@dddfresh wrote:
Whaaaaaaat? You think? I didn't mention I have like 12 inq
HURRY and apply before you have some credit inq crazy tell you not too! I don't think Amex cares when it comes to Charge card... but again give it a few and someone will say im wrong wrong wrong! LOL 
What's 13? Besides, the point is Amex has a weird, scary, and usually AMAZING computer that does things to your credit report to decide if they approve in under 60 seconds that it makes your head spin and I VERY firmly believe that it picks up in .2 seconds that you are a 10+ year customer and takes your app up SEVERAL pegs on if it can approve it or not and I think it would approve it regardless just because it's picking up your huge credit lines elsewhere!
Haha wow you must be anti-garden or we're related because that's how I'm thinking haha. I'm one month deep. I have four accounts less than 3 months old too...and a personal loan that has a $1600 balance if that matters
I should maybe mention, my moms old Amex had a 35k limit and when the real estate market crashed I believe she was paying minimum payment and amex closed the account on her. No late payments, and she's since paid it off. Not sure if she has a new amex or not. The 28k/35k she used is also on my report
Holy crrrr haha
I was an AU on my dads charge card starting in 2000 and ending within a year or so. It was no longer on any of my credit reports and I had pretty much forgot about it. I got my first AMEX in March, a green charge card and delta sky miles gold credit card. By all accounts these are some of the easier if not easiest cards to get (everything I've seen points to the underwriting criteria being the same for all charge cards, at least green and gold).
The cards came saying "member since 13" and the iPhone app said the same thing, after checking my cr and being shocked to see my accounts reporting as 13 years old I checked the website and app again to see them also showing "member since 2000". I made no effort while applying or otherwise to link myself to the old AU card.
So in your case I'd say chances are better than good you'll get backdating.
I'd also say go ahead and apply. I had scores in the low mid 600's with only one TL reporting for 2 months, no baddies, and a couple inq.
The cards came saying "member since 13" and the iPhone app said the same thing, after checking my cr and being shocked to see my accounts reporting as 13 years old I checked the website and app again to see them also showing "member since 2000". I made no effort while applying or otherwise to link myself to the old AU card.
So in your case I'd say chances are better than good you'll get backdating.
I'd also say go ahead and apply. I had scores in the low mid 600's with only one TL reporting for 2 months, no baddies, and a couple inq.
Starting Score: EQ 599, TU 577
Thays amazing! Did you have a credit score boost because of AAOA?