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What is the negative information now reporting?We do was is called a "refresh". We re-access the credit report to ensure your credit balances, if they have increased, do not adversely impact the debt to income ratio, If the negative information that you are referring to reflects additional liabilities and balances, then I would speak with your loan originator. Disputing the information with the bureaus will take 30 days. An underwriter is not going to take the proof that you have. The credit report will need to be fixed. A Rapid Rescore can be ordered by your loan originator to fix the inaccuracies. It takes 3 to 5 business days.
Don't worry. You loan officer should be reassuring you. The kind of report he should be pulling is called a "soft pull". It updates the report without pulling scores or creating a new credit report.
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For Sale: $629,000
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