This is a great video post from a USDA expert who describes the difference in correcting a deficiency on a credit report and getting a new score, which can take 3-5 days, versus credit dispute, which can take weeks. Check out this great, informative video that explains the benefits of challenging incorrect information, versus challenging charges in order to skew the scores. Most importantly, have a trusted and knowledgeable mortgage professional whose ethics match your own. Today's lending climate is unusual at best.
P.S. http://www.usdaloanpro.com/what-is-credit-rescoring/ Here is the direct link. It appears that I have a flaw in my link. Thanks all for the heads up.

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