Credit score dropped 9 points before closing

[Margaritapizza11]

Good evening,

I currently have a conditional approval for an FHA loan and am set to close within 13 days. 
My credit for the application was ran on 3/20 and the scores were: 600, 625, 639.

fast forward to today, my Experian score dropped from 625 to 616 because a small loan was showing as paid off (this was paid off before I applied and my lender was aware).

Now my middle score is 616 and the minimum qualifying credit score was 620.

The disclosure shows:

There can be no adverse changes in your credit, employment or financial status before settlement of loan. 
***IMPORTANT NOTE***
Please be careful to NOT incur new debt in the form of new credit cards or installment loans before your loan closing unless
you advise your banker beforehand and he/she can confirm the new debt does NOT jeopardize your purchase. Also, please do NOT deposit funds into your checking account that you cannot document the source of those funds (such as money kept at home in a safe) as undocumented funds cannot be used for closing. The lender will do a soft pull the day before closing.

What are you thoughts on this? Am I screwed? I am going to ask my lender this week but they are have a hard time communicating and I wanted to get some opinions first.

Thanks. 

[MauiMan85297]

I won't speak for your particular lender but your credit was pulled a month ago and there's no need to pull another report so you should be fine with the 625 you presently have.  They will do a soft credit pull to make sure there haven't been any new inquiries/accounts that have been opened.

Don't stress, most companies reports are good for 120 days and others have overlays that are good for 90 days.

[donkort]

My score dropped about 40 points between my applying for my mortgage and closing.

It went from the 720s to the 680s---all because I asked for a credit-line increase like an idiot!  The response from the credit card company was to lower my credit limit by about $3,000, which lowered my score that much.

Luckily, they didn't hard-pull my credit again.

Like the above poster said, they don't seem to usually hard-pull credit right before the closing.

I'm sorry you're feeling so anxious.  I hope all goes well for you. 

[Margaritapizza11]

What about dti? The lender is going off of a credit supplement from 2 weeks ago and we are supposed to close tomorrow. If they do a soft pull tonight or tomorrow will they go off those balances or the credit supplement? It's only a $45 differnce but it could break my dti.  Or does it fall under what you said above which is there just looking for new accounts?