TransUnion Reporting Old American Express Backdated Accounts Again

At the end of February we wrote a post on TransUnion No Longer Backdating Old American Express Cards. For those that do have backdated accounts, good news! It seems like this was a temporary error and accounts that were previously backdated are now showing those backdated dates again (data points: here, here, here).

For those that have no idea what I’m talking about, American Express used to backdate new cards (e.g when you opened a new card they would reported your member since date, rather than when the new credit card was actually opened). This practice ended on March 21st, 2015 for new cards, cards that were already opened and reporting the old date were not affected. Earlier it appeared that TransUnion were showing the real open dates rather than the backdated accounts, but this appears to only be a temporary glitch.

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