See if you can ease my mind

[BCullum]

I posted a thread that didn't get much attention last week. Hopefully me explaining my situation a little better can help get a few answers. I am going conventional, I have already gone through underwriting, I have already received clear to close. I had a collection on my TU report, for 152 dollars from 2008. I had disputed this 4 months prior to try and clean up my report, EXP and EQ deleted the collection however TU did not. I made it through underwriting with this collection on my TU report. Fast forward to 2/10 TU or the creditor whichever one updates my file with "Consumr Disputes Account". Closing docs are already ready, and I am to receive my HUD tomorrow. What are the chances at this stage in the game that this could pose a problem. I am suppose to close Wednesday. 


edit: They pulled my credit again for a "final audit" on friday afternoon, and no one seemed to have made mention of this issue. 

[playboy]

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@BCullum wrote:

I posted a thread that didn't get much attention last week. Hopefully me explaining my situation a little better can help get a few answers. I am going conventional, I have already gone through underwriting, I have already received clear to close. I had a collection on my TU report, for 152 dollars from 2008. I had disputed this 4 months prior to try and clean up my report, EXP and EQ deleted the collection however TU did not. I made it through underwriting with this collection on my TU report. Fast forward to 2/10 TU or the creditor whichever one updates my file with "Consumr Disputes Account". Closing docs are already ready, and I am to receive my HUD tomorrow. What are the chances at this stage in the game that this could pose a problem. I am suppose to close Wednesday. 

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If UW had a problem it with you'd still be in underwriting.  At this point I feel like you're fine.

[BCullum]

It didn't pop up till after underwriting. 

[namvet]

You are good to go once closing docs are prepared.  Your credit has been checked for the last time. 

[tooleman694]

I think you are fine, your credit was real when you got the clear to close.

When they pulled you on Friday they were just making sure you didn't go out a buy a bunch of stuff on credit right before closing.

If you went out and maxed out your Lowes credit card and it reported and they pulled you, then id be worried.

[BCullum]

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@tooleman694 wrote:

I think you are fine, your credit was real when you got the clear to close.

When they pulled you on Friday they were just making sure you didn't go out a buy a bunch of stuff on credit right before closing.

If you went out and maxed out your Lowes credit card and it reported and they pulled you, then id be worried.

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o crap.....


lmao just kidding.

[tooleman694]

hehehehehehhe.

[BCullum]

I actually paid my credit cards down, which raised my score a good 20-30 points. 

[tooleman694]

Yeah I wouldn't lose sleep over it.

The only thing you should be losing sleep over is all the packing you are gonna be doing.

Congrats.

[BCullum]

dude, weve been packed for a month hahahaha. We were going to move in march anyways, so we got a head start lol. Pick the moving truck up on friday, put the dogs in the pet hotel, and off to Garland we move!