Can I dispute credit reports right before applying for a mortgage?

[Anonymous]

Can I dispute credit reports right before applying for a mortgage? I'm about to send letters off then I thought I remembered reading somewhere you can't dispute things right before applying for a mortgage loan? Is that right? There's some incorrect things affecting my credit report, and some I want to question just to see if I can get them off my reports. One major thing is one credit card is showing I have a 0 credit limit and I have 12k, it's affecting my fico score of course as the debt ratio is wrong and it looks like I'm over...

[Anonymous]

for the most part, you can not have unresolved disputes on your fico report and get a loan approved.  All dipsutes must be fully resolved.

[DallasLoanGuy]

You aren't ready to buy if you are disputing.

Get those leared up first.

However, many do not need to dispute anyway..... depending on the loan program.