<prompt> Human: Its freaking me out because it literally increases my debt by 300k. My score dropped by about 70 points. Ive been waiting until October 1st before calling since thats the effective date, but the other lender doesnt even have my loan yet, but somehow theyre reporting to my credit. Anyone deal with this before?  <response>: Unfortunately this occurs often to people whos mortgages are sold. Youre stuck in the limbo phase. This happens because both lenders are reporting at different times and there is some overlap.Just give it until the effective date and check your score again. Honestly it may even be a bit after that. I would suggest calling though like you mentioned just to bug them about it. 