We are scheduled to close on our new homehome with quicken loans in September 25th and my score dropped 54 points because a 30 day late payment is now reporting from Regions Bank. We have never been 30 days late on the account. I called regions and they told me that they do not show in their system that they are reporting any 30 day late payments and they told me to dispute it. I don’t think I am supposed to have anything in a dispute status on my credit report though so I don’t know what to do…should I try to get a letter from regions that says I am paying ad agreed and never been 30 days late? Should I just be honest with my lender and let them tell me the best course of action? Should I just leave it alone for now since my loan is already through the underwriting process? I don’t know if my lender will do a second pull right before closing or not and I am freaking out!