I have seen additional info added during the investigator meeting. Marko was right (as usual). But I wouldn’t move forward saying it is insignificant. Can it happen? Absolutely. But don’t downplay it. Just own it. No income, generally means no outflow. If it is explainable it is understandable. FICO scores recover much faster under the new rules. As long as you are currently average or better and you show a trend of paying on time…you should be fine. You MAY sign a conduct letter acknowledging the finances require monitoring.