Amex reporting - Should I be worried

[CreditControl]

I have a first time scenario and am curious as to whether I should pursue it or if it is even wrong in the first place.

DH opened a new Amex 12/2010, he got me a card (extra points plus well....I wanted it).  Account suddenly reported on my credit 3 months later.  Now, more facts:

- Account Holder infor on my report says:  Authorized User

- Account opened date says:  12/2003 (wrong)

- I happened to have applied for my own account at the end of March but was denied

 - The inquiry shows and the account appeared on my report after that

-There haven't been any changes to my score

Should I just leave it alone or should I be concerned?  I am thinking the age on the account based on the referenced open date and the good status would help.?.

[Lel]

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@CreditControl wrote:

I have a first time scenario and am curious as to whether I should pursue it or if it is even wrong in the first place.

DH opened a new Amex 12/2010, he got me a card (extra points plus well....I wanted it).  Account suddenly reported on my credit 3 months later.  Now, more facts:

- Account Holder infor on my report says:  Authorized User

- Account opened date says:  12/2003 (wrong)

- I happened to have applied for my own account at the end of March but was denied

 - The inquiry shows and the account appeared on my report after that

-There haven't been any changes to my score

Should I just leave it alone or should I be concerned?  I am thinking the age on the account based on the referenced open date and the good status would help.?.

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Hi CreditControl, and welcome to the FICO Forums.

Did your husband previously have an Amex card that was opened in December 2003?  Amex will often backdate the account opened date if they have record of a prior Amex account.  It's a good thing, because it improves the average account age.

As for the inquiry that resulted from your own application, there's nothing to be done about it.  It doesn't appear to have affected your score; even if it did, it wouldn't affect your score after a year.