FIrst - thanks to everyone for their replies.
Well - the dispute is from 4 years ago - it's just the notation under remarks. If it were an active dispute, it would actualy be pulling my FICO down, as the account has a $50 balance, and over 10 years of 100% on-time payment history. As I wrote, there was a 30 day late, that was resolved after I disputed it. I've found that many creditors are just lazy, and do not remove the remark.
Sort of annoying. I get why a dispute on an account that has negatives on it must be closed. Makes no logical sense why a notation on a completely positive account must be resolved - but I guess we must play the game!
In the end, the lower pull may help me. The LO said I only qualified for a state FHA program (PFHA), and the interest rate I locked into was 3.86%. This is a pretty good rate, no? Even with PMI? I'm wondering if its even worth the bother of repulling.
Another question - how could they not repull during underwriting? How do they know that the dispute is actually resolved? I had 3 disputes on negative items at time of application - these items were all deleted, so I'm guessing the underwriter will somehow need proof of this, no? Is there any way for them the tell without a hard pull? I didn't think that sort of think came through on a soft pull.
