- Centurion Member
- Posts: 3962
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
My understanding is that if you open a new Amex in January 2015, then Amex will report to Experian that the account was opened in January 2014. The month is the real month it was opened, and the year is the calendar year in which you got your first Amex. This improves your AAoA and boosts your FICO.
But Barclays will see that it wasn't on your TU history in Dec 2014, but was on your history by, say, March 2015. Also, Barclays will see no payment history exists before early 2015. So they certainly could know it was a new account if they bother to put two and two together.
I expect Barclays would treat it as a new account, as it is totally new. you're not reopening an old account. Backdating is just a technical FICO boost / customer pride thing. It doesn't 'trick' creditors in the slightest unless a creditor is only looking at the FICO score, which not many do.
Barclays might not see the inquiry, as Amex usually pulls EX and Barclays pulls TU - although Barclays has been known to sometimes pull first TU and then EX for borderline applicants. But I don't think Barclays subscribes to EX updates the way they do to TU.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May