otter wrote:Years ago (1991 or 92 I believe) when I was in college, I had an American Express Green card. I didn't really understand credit (and charge cards) at the time and it eventually became delinquent and went into collections. I did pay off the debt(I think settling for a lesser amount) and haven't been able to get an Amex account until now(having recently gotten two). I've heard of people backdating their Amex cards after not having them for a long period of time. I'm worried about trying to backdate my cards (thinking maybe American Express has forgotten or at least forgiven my youthful transgressions) because I don't want to open up an old can of worms. Of course, I see the upside to being a "member since 1991" since having two accounts backdated 20+ years would probably push my score into the upper 700's or even 800+.
Any thoughts or advice?
I dont think you have anything to worry about as there were many folks who obtained an Amex after defaulting without paying them back and had their new Amex backdated.
I would call Amex and mentioned that you were a cardmember since 199X and would like that reflected on your current account. Dont say backdated (that's not in their vocabulary.)