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Manage episode 492409478 series 3675445
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You spotted an error on your credit report—so you dispute it, right? Not so fast. In this eye-opening episode, Tim Lucas and Craig Berry reveal the hidden pitfalls of disputing accounts when you’re in the middle of a mortgage application. You’ll learn:

  • Why lenders remove disputed accounts entirely—and how just $1,000 in disputes can stall your approval
  • The quirks of different loan programs (Fannie Mae, Freddie Mac, FHA) and when automated systems flag red lights
  • How manual underwriting can save the day—and why not every lender offers it
  • The crucial timing strategy: why you might wait to dispute until after closing (unless it’s medical debt or fraud)
  • Insider tips for disputing “safely,” including when to apply first, how to document your case, and the credit-score surprises that come with removing disputes
  • Why a $200 error isn’t always worth fixing right away—and how to navigate ever-changing bureau rules

If you’re house-hunting (or planning to), this episode arms you with the savvy to manage credit disputes without derailing your dream home. No panic—just a clear roadmap for when and how to challenge mistakes.

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5 episodes