from my recent experience, they freak out when your score lowers after pre-approval
mine lowered 16 points and that almost cost me the loan
but i got it back up to what it was, and i'm still worried...
no matter what, it will always be something until the day i move in the house
try not to change anything else and pay it off if possible
if that's not possible, just tell your loan officer if you have one,...it will help, they don't like surprises and he/she can prepare for it
or they will advise you what to do,..leave it up to the professionals in this situation
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)