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Looking for some help here. Approved for mortgage last week, nothing showing on my wifes CR. We close on Dec 11th.
Yesterday, 3 collections showed up on my wifes TU report with dates on them back to 2017/2018. I know these have been taken care of and called the creditor to find out what was going on. All of them say they show no account with them and are not reporting anything to TU.
How can this be and what do i do about it? Im scared to dispute becuase that will hold up funding and closing but i also dont want to risk credit being pulled before closing and these 3 account show up.
Thanks
Not sure about your lender, but we pull a refresh report just before closing. Any new collections will generally be disregarded while any new accounts will flag the file for Underwriter re-review.
If you know there will be new collections showing on the credit report, I would certainly encourage you to be honest with your loan officer so you can strategize about it now instead of dealing with this in the 11th hour.
Best of luck!