Originally posted by justbroke
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The only way an old credit account could survive is if it a.) miraculously didn't get automatically closed by the creditor, or b.) the account was closed in good standing prior to the bankruptcy.
I do know that American Express used to backdate the opening date of an account for their members. This was especially useful if you were an Authorized User (AU) only and the account backdated to the original cardholder. Subsequent accounts would then also be backdated. I know that AMEX stopped that practice. Although they may put "Member Since 2001", the date on the credit report may not backdate to "original" membership.
I agree wish shipo. The correct number of years is 2 (or when you opened that post bankruptcy account).
(Yeah, I know. Bankruptcy can kill your average age of accounts (AAoA). I at least had one account "survive" deletion which gives me my oldest account reporting as 15 years old. Strangely, it's an AMEX account! I will not poke the bear.)
I do know that American Express used to backdate the opening date of an account for their members. This was especially useful if you were an Authorized User (AU) only and the account backdated to the original cardholder. Subsequent accounts would then also be backdated. I know that AMEX stopped that practice. Although they may put "Member Since 2001", the date on the credit report may not backdate to "original" membership.
I agree wish shipo. The correct number of years is 2 (or when you opened that post bankruptcy account).
(Yeah, I know. Bankruptcy can kill your average age of accounts (AAoA). I at least had one account "survive" deletion which gives me my oldest account reporting as 15 years old. Strangely, it's an AMEX account! I will not poke the bear.)
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