10-10-2012 01:30 PM
I went FHA and was told NO disputes. Yes, they would put me in manual UW and, yes, I'd be turned away. I wouldn't want to go in with artificially inflated scores anyway as they do pull credit multiple times in the process (mine will be 3, including right before close).
Current Score: EQ 664 TU 700 EX 701 (FAKO)