Question for those with backdated Amex's - did you get an alert from MyFico

[Anonymous]

Did you get a new account alert from the 3B monitoring when it hit your account? Or does the monitoring look at the backdate and not send an alert because the software doesn't detect it as new?

[manyquestions]

I don't know if you will get an alert but I know FICO does not count it as a new card..

[elim]

what does a backdated amex show for payment history?

[Anonymous]

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@elim wrote:

what does a backdated amex show for payment history?

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A brand new one shows no payment history, just like a new card (because that is what it is).   With the AAoA boost, backdating is good for automated approvals because of the score.  But on manual review, they can easily tell that it is backdated.

[elim]

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@Anonymous wrote:

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@elim wrote:

what does a backdated amex show for payment history?

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A brand new one shows no payment history, just like a new card (because that is what it is).   With the AAoA boost, backdating is good for automated approvals because of the score.  But on manual review, they can easily tell that it is backdated.

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  bummer, it would be great if it populated your reports with pretty green dots  :]

[Anonymous]

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@Anonymous wrote:

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@elim wrote:

what does a backdated amex show for payment history?

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A brand new one shows no payment history, just like a new card (because that is what it is).   With the AAoA boost, backdating is good for automated approvals because of the score.  But on manual review, they can easily tell that it is backdated.

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Yep. In fact, on Credit Karma is shows with an alert that reads "Missing payment history."

[tallchick]

I did not get an alert, it took 2 months for AMEX to report, but finally my oldest account is 22 years!!!! YMMV, try adjusting your alert settings, and be sure to keep us updated!

[Anonymous]

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@tallchick wrote:

I did not get an alert, it took 2 months for AMEX to report, but finally my oldest account is 22 years!!!! YMMV, try adjusting your alert settings, and be sure to keep us updated!

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Hehe, my impatience got the better of me so I bought the three bureau scores and reports. It's in there just like it's supposed to be.

[coffeegal]

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@Anonymous wrote:

Did you get a new account alert from the 3B monitoring when it hit your account? Or does the monitoring look at the backdate and not send an alert because the software doesn't detect it as new?

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I did not get an alert for the new account(s) backdated to 2003, however I did get an alert for a balance change on TU.  The accounts have not reported to EX or EQ yet.  

[Anonymous]

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@coffeegal wrote:

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@Anonymous wrote:

Did you get a new account alert from the 3B monitoring when it hit your account? Or does the monitoring look at the backdate and not send an alert because the software doesn't detect it as new?

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I did not get an alert for the new account(s) backdated to 2003, however I did get an alert for a balance change on TU.  The accounts have not reported to EX or EQ yet.  

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That's exactly what I got. An alert for a balance change on TU.