Closing in 5 days, new account popped up from 4 months ago??

[Anonymous]

I am scheduled to close on a house on Friday. An account I opened back in November is just now being reported, it popped up as an alert. I started this mortgage process in January so this account was opened well before. Is this going to create an issue?? It clearly states "opened 11/2016" first reported 3/1/2017. I just don't need this added stress 😔

[StartingOver10]

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@Anonymous wrote:
I am scheduled to close on a house on Friday. An account I opened back in November is just now being reported, it popped up as an alert. I started this mortgage process in January so this account was opened well before. Is this going to create an issue?? It clearly states "opened 11/2016" first reported 3/1/2017. I just don't need this added stress 😔

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Shouldn't be an issue unless you have a undisclosed monthly payment. Is it zero balance or do you have a monthly payment on it that wasn't included in the mortgage application?

[Anonymous]

Nope, absolute zero balance. Just a menards card and I haven't even made one charge on it.

[StartingOver10]

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@Anonymous wrote:
Nope, absolute zero balance. Just a menards card and I haven't even made one charge on it.

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Great. The lender may require a LOE but that isn't a show stopper