Nice! I was shocked to see both AMEX cards I applied for in march showing 13 years as their age. I guess AMEX saw fit to backdate my account, even though I was only an AU on a charge card account back in 2000, and the account has been closed for 11+ years.
My AAoA went from 3 months to 8+ years. Thanks for the 70 point boost AMEX!
My AAoA went from 3 months to 8+ years. Thanks for the 70 point boost AMEX!
Starting Score: EQ 599, TU 577
Question about this...
Lets say I have a friend that has an AmEx for 10 years. They then add me as an AU. I get backdating for the 10 years right? Then they subsequently drop me from being an AU. I subsequently apply for a AmEx and they will backdate the new card for that 10 years. Correct?
) //CK:692, Sesame:656
"Question about this...
Lets say I have a friend that has an AmEx for 10 years. They then add me as an AU. I get backdating for the 10 years right? Then they subsequently drop me from being an AU. I subsequently apply for a AmEx and they will backdate the new card for that 10 years. Correct?"
Say your friend was a member since 2000, they add you as an AU in 2010, hey drop you/ close the account in 2011. Now you apply for an AMEX in 2013 it will backdate to 2010, when you became an AU not when the account holder joined.
Lets say I have a friend that has an AmEx for 10 years. They then add me as an AU. I get backdating for the 10 years right? Then they subsequently drop me from being an AU. I subsequently apply for a AmEx and they will backdate the new card for that 10 years. Correct?"
Say your friend was a member since 2000, they add you as an AU in 2010, hey drop you/ close the account in 2011. Now you apply for an AMEX in 2013 it will backdate to 2010, when you became an AU not when the account holder joined.
Very nice!!!
Not sure if that would hold up when the auto loan goes on manual review tho.
Not sure if that would hold up when the auto loan goes on manual review tho.
@codesingh wrote:
@LS2982 wrote:
Very nice!!!
Not sure if that would hold up when the auto loan goes on manual review tho.LS can you give me some details on what you are thinking about?
If they do a manual review...well the history shows when the account was open and shows all the payments (ok) of each month for the past 2 and 1/2 year (at least in the fako report).
I won't be like the car-loan-lender would have my previous report and they compare with my current and see that Amex although shows opend a decade back in time, is not in the report until a dedade later on the new report...
What you thinking on how they would review my app in terms of Amex report on my CR?
They will see when it was opened as far as the backdate but they can see how many payments has been made to the account and figure out its just backdating. I'm sure the big lenders out there know about AMEX backdating.
That's amazing. LS, if you apply for an auto loan and the amex backdating made their score good enough to get approved, do they always do a manual review, or are you talking if the approval is border line then they would manually review it?
