TU axed Amex backdate

[beeez1]

Read elsewhere that TU had axed someone's Amex backdate so I recently checked and my Amex opened in Oct 2013 and backdated to Oct 1982 is now reporting as opened in Oct 2013. My EX and EQ still shows the backdate.

[mendelssohn]

Which card?

 

Costco?

Edited February 25, 2017 by mendelssohn

[Kat58]

Uh Oh

 

 

ETA - Mendel is wishing his Cap One wasn't closed.

Edited February 25, 2017 by Kat58

[mendelssohn]

Uh Oh

 

 

ETA - Mendel is wishing his Cap One wasn't closed.

Not really. I have a lot of old installment accounts and also other cards opened close to Crap1.

 

FWIW all my D* Amex cards still report D*.

[illusemycreditcard]

Datapoints across three customers based on Wallethub as of today:

• Blue Cash Everyday card opened in DEC 2014, dated DEC 2012, no change.
• Premier Rewards Gold card opened in FEB 2015, dated MAY 2014, no change.
  Everyday card opened in FEB 2015, dated MAY 2014, no change.
• Closed Green card opened in JUL 2013, dated DEC 1994, no change.

[beeez1]

BCP

[mendelssohn]

My 4 1992 cards are still intact.

[Kat58]

Read elsewhere that TU had axed someone's Amex backdate so I recently checked and my Amex opened in Oct 2013 and backdated to Oct 1982 is now reporting as opened in Oct 2013. My EX and EQ still shows the backdate.

 

Where?

 

Link available?

[JDK83]

All of my Amex cards still report as B* 1970.

 

How could Transunion change the open date, unless Amex changed it's reporting?

 

All of the reports of B* change are based on CreditKarma.

[Tyra]

 

Read elsewhere that TU had axed someone's Amex backdate so I recently checked and my Amex opened in Oct 2013 and backdated to Oct 1982 is now reporting as opened in Oct 2013. My EX and EQ still shows the backdate.

 

Where?

 

Link available?

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/HAMMERED-by-transunion-on-AMEX-AAOA-BACKDATING/td-p/4872696

 

I'm still good on TU CreditKarma.

 

This will be a popular thread.

[JDK83]

One of my Amex cards reported to TU yesterday. It is still showing the correct backdate.

 

It is my understanding that Amex cut a deal that existing cards would continue to report the backdate.

[Kat58]

 

 

Read elsewhere that TU had axed someone's Amex backdate so I recently checked and my Amex opened in Oct 2013 and backdated to Oct 1982 is now reporting as opened in Oct 2013. My EX and EQ still shows the backdate.

 

Where?

 

Link available?

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/HAMMERED-by-transunion-on-AMEX-AAOA-BACKDATING/td-p/4872696

 

I'm still good on TU CreditKarma.

 

This will be a popular thread.

 

TY

[mendelssohn]

One of my Amex cards reported to TU yesterday. It is still showing the correct backdate.

 

It is my understanding that Amex cut a deal that existing cards would continue to report the backdate.

Same here.

[mendelssohn]

This may be a TU issue since they are completely incompetent.

[JDK83]

This may be a TU issue since they are completely incompetent.

 

TU can only aspire to be incompetent.

 

For some reason there have been no reports of this problem from any of the other TU monitoring sites, except for creditkarma.

Edited February 25, 2017 by JDK83

[beeez1]

I have a CCT triple pull coming up in a couple of days I'll see what that says.

[JDK83]

Read elsewhere that TU had axed someone's Amex backdate so I recently checked and my Amex opened in Oct 2013 and backdated to Oct 1982 is now reporting as opened in Oct 2013. My EX and EQ still shows the backdate.

 

Have you checked your actual TU reports or your backdoor TU reports?

 

Have you checked WalletHub or SavvyMoney?

[JDK83]

I have a CCT triple pull coming up in a couple of days I'll see what that says.

 

WalletHub and SavvyMoney are free. You can check them daily.

[beeez1]

Signed up for wallethub it's showing open date in 2013 not 1982. This is a TU thing apparently.

[ubercat]

Signed up for wallethub it's showing open date in 2013 not 1982. This is a TU thing apparently.

 

Wallethub has consistently been a few weeks ahead of changes in R*...

 

..we might be seeing the early dawn of correct reporting.

Edited February 25, 2017 by ubercat

[Tyra]

 

Signed up for wallethub it's showing open date in 2013 not 1982. This is a TU thing apparently.

 

Wallethub has consistently been a few weeks ahead of changes in R*...

 

..we might be seeing the early dawn of correct reporting.

 

The OP on the myfico thread also reports the change reflected on CCT.

 

 

 

So, of course i checked my CCT score and I updated it and GUESS WHAT?? TRANSUNION IS NOW 823 DOWN FROM 844...UPON LOOKING INTO MY CREDIT REPORT I SEE THAT AMEX IS ONLY A LITTLE OVER 2 YEARS OLD.

[Konrad2012]

If this is true, you know the change came about because some deadbeat burned AMEX and then sued AMEX and/or TU over improper reporting.

[ubercat]

If this is true, you know the change came about because some deadbeat burned AMEX and then sued AMEX and/or TU over improper reporting.

 

Probably. The only other explanation would be that I posted a how-to chart on it, but I didn't so...

Edited February 25, 2017 by ubercat

[TampaDude]

The end of an era? Oh, well...I have so many TLs now, I don't think my scores will change much.

 

If this is from Amex, it will hit EQ and EX soon as well.

Edited February 25, 2017 by TampaDude

[mendelssohn]

I doubt it is from Amex.

 

TU is always the slowest to update.