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Does AMEX Backdating Report?

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krit
Regular Contributor

Does AMEX Backdating Report?

Amex recently corrected my "Member Since" date to reflect my first Amex account. Will they report this date change to the CRAs? 

Message 1 of 8
7 REPLIES 7
JoeRockhead
Community Leader
Super Contributor

Re: Does AMEX Backdating Report?

I don't believe they backdate reports in regards to "member since" anymore. It will be an internal thing with them only. 

Message 2 of 8
NoMoreDebt
Senior Contributor

Re: Does AMEX Backdating Report?

Not going to happen.

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
Message 3 of 8
Jeffster1
Valued Contributor

Re: Does AMEX Backdating Report?

The "Member since" date us internal only 

 

I had Amex cards from 2004-2017 and again 2021-present. My "Member since" date is 2004, but my cards report with the actual date opened.

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K
Message 4 of 8
NoHardLimits
Valued Contributor

Re: Does AMEX Backdating Report?

Amex credit report backdating stopped around 2015.  Any new accounts opened since then will reflect the actual date.  Authorized User cards are treated differently.  Amex AU dates reflect the date the AU was added, not the opening date of the account.

December 2025 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Accounts: 1/6, 1/12, 3/24 | Util: 2% | DTI: 1%
Message 5 of 8
Thomas_Thumb
Senior Contributor

Re: Does AMEX Backdating Report?

As it should be for all AU accounts!

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 6 of 8
krit
Regular Contributor

Re: Does AMEX Backdating Report?

Thanks, everyone. I sorta figured it wouldn't, but was hopeful. 😊👍 

Message 7 of 8
indiolatino61
Valued Contributor

Re: Does AMEX Backdating Report?

March 21st, 2015...a very sad day...lol. Backdating was a huge help with AAoA. Every article I've read states the reason is unclear, and that it was most likely pressure from regulators, the credit bureaus themselves or other financial institutions. My first AmEx card was issued in 1988, so AmEx will forever be in my portfolio.

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