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Forgot to provide an update. Closed on the HELOC about a month ago. Haven't taken a draw yet and don't have to.

The lawyers wanted me to come to their office for the closing. I am high risk being a diabetic so I avoid going out in public if I can. They offered to FedEx me the documents and watch me sign them over Zoom, then FedEx them back for $63. I said that given the volume of closings they do for the credit union and fees I was already paying, surely they could absorb that as a cost of doing business in a pandemic. They said they would send an attorney to my home at no charge.

My family law attorney GF said that the hourly rate for the attorney was much more than the shipping costs. The lawyer could not find the address and when he tried calling, got a message that my number was not in service. See, I had bought a new iPhone 12 and Verizon failed to activate it correctly. The were able to deactivate the old phone just fine. And since I have no landline...

Anyway, he arrives, we get halfway through the document signings (they promised to fix the mistakes I found reading through it the night before, and suddenly he stops. Don't I know him? I don't think so. He says he closed my refi 4 years ago. I don't remember the lawyer 4 years ago but he was nice and we got through it.

A week later, I go online and see my new HELOC account with a balance due of $15. Wait, what? I wasn't required to take a draw. I paid the closing costs with cash. So I call up the credit union and after a bit of a wait, I get the news: just ignore it. Apparently, the software the CU uses isn't capable of representing a zero balance due, so it automatically rounds $0 up to $15. Now I am fighting the urge to see of my HELOC is being reported with a $15 balance or if I'm clear.

Who knew the new account had been reported to the CRAs when his inbox was flooded with notifications from all his data breach credit monitoring services...

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