I am in underwriting for a home loan and have a question about a new account. Prior to entering underwriting I opened a new card with AMEX and but they did not pull my credit, (I have had a ZYNC opened sinced 2011). The new account has not yet showed up on my credit report but it may any day now. However it will show a 0 balance. How will this impact my home loan closing? The processor informed me that they will get an alert when new accounts are opened, but with 0 balance does this impact me?