We want to offer a higher rate on a new account to a customer vs. the regular rate for that account. Does the TIS disclosure have to reflect the higher rate? Or can it be disclosed with the "normal" rate and the rate is increased after the account is opened? We are having trouble getting our software to recognize the higher rate on the TIS disclosure.

Of course it does, it has to reflect the legal obligation. Cross it out and write in the correct information.