Getting Ready for Closing: T minus 10 days

10 before the closing, we still didn’t have the final contract because we were waiting for the signed addendum [or a response to the addendum]. And we were working towards getting everything in order for closing. We were heading out for a vacation on 5 days before closing and wanted to make sure we had as much in order before we left as possible.

So, I emailed our lender and my husband had a chat with the lawyer. The lender needs us to do the following:

• Give written explanations for some activity that has shown up on our credit report:

• • Credit Check from Quicken Loans
• • Credit Check from USAA
• • New AMEX card

• • • We signed up for a new Costco AMEX card, we figured given how much shopping we did there, we might as well get the card.

I feel like the explanation for the two credit checks was obvious [we were comparing rates], but what they emphasized was that they needed was proof that we weren’t going through with them.

We wrote short and simple letters that explained why those transactions popped up on the credit card and that satisfied our lender. No big deal :)