Do lenders run a credit report another time before closing?Having a small heart attack here. I am closing soon on a house. Loan commitment letter in hand. Just rechecked my credit report and a new, *very* inaccurate negative entry was just made on my report, completely decimating my score. A creditor is claiming I am currently delinquent by 180 days. I initiated a dispute, and I contacted the creditor, who admits that I am current and they have no idea why they reported me as late. They promise to correct it, and they are sending me a letter that I can show my mortgage lender if I need to, in case the lender runs my report before closing and the inaccuracy isn't removed yet.But, I am in a panic anyway because I hear so much about how mortgages fall through at the last minute. I can contact my LO but until I have the proof in hand that I am current I'd rather not (proof is more complicated than showing payment receipts... the creditor that reported no longer owns the loan, so I have to get payment receipts together plus find the proof that the loan was transferred, etc., which would take a while to get). Any insight on how the final days before closing work would be appreciated.December 07 2010 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.