Creating A Checkbox On Userform Initialize And Then Using It In A Later Code

I have a userform that creates labels and checkboxes for those lables on the initialize event based on an if statement. I would keep getting an error on a line where I try and use the name of one of those created checkboxes of "variable not defined" as if it hasn't been created, but it was.. Here is the code for the creation:

'Option Explicit
Private Sub UserForm_Initialize()
'dynamically add the tickers and funds based on if there is any data inputs for them.

'declaring variables
Dim lbl As MSForms.Label
Dim i As Integer
Dim x As Integer
Dim newcheckbox As MSForms.CheckBox

'selects the summary page
Sheet1.Select

For i = 7 To 65
If Cells(i, 3) "" Then..................