So, backstory: we had all but given up on getting a house in this market. Had a short vacation, needed some dresses, got a nice discount at (dept store) if I signed up for a credit card. Got the receipt fhey give you with card number to use til you get actual card. Misplaced it. No big deal, called the automated line and paid the bill that way.
Wouldn’t you know it, 2 weeks later WE have a seller reach out to us cuz financing fell thru for last buyer. We are under contract! All is going great, they want to close asap. I have been so good about being on top of all documents etc.
Underwriting sends me the doc with credit questions, one of them is the dept store credit card. I put my explanation, say paid in full.
They need a statement showing paid in full. Problem is I can’t create the online acct to pull the statement without the card, which credit card peeps won’t give me over the phone.
I let my lender contact know all of this, am waiting for response. I did send checking acct activity that showed payment.
Am I screwed? Will this delay this for a really long time. Dept store is sending card but could be 7 days. They are also sending me some informal email saying balance is paid.
Edit: my loan officer is telling me to cool my jets, it’s no big deal. They’ll do a conference call or something. Sorry guys, I’m a worrier! Thanks for the comments! Word to the wise, don’t lose any receipts like my dumb ass did!