I have commented on this several times on this very subject. Here is the real deal, if you are financing using a Conventional Loan Program, you will need to remove all open disputes. Period!
If you are financing using an FHA, VA or USDA RDL, dispute do not have to be removed. But if left on, your loan will be downgraded to a Manually Underwritten loan which carries more underwriting conditions i.e. a VOE (Verification of Rent), more reserves, possibility of a higher rate, etc. On the other hand, if you want to be approved on the AUS (automated underwriting system) and have a smoother process, I strongly recommend calling the bureaus and resolve all open disputes and add this comment, "Dispute resolved, consumer disagrees". I have done this little trick countless times over the years. For a government insured loan, the word "Resolved" is the key. To the bureaus, it still a dispute which is way it doesn't effect your score, but to an Underwriter, your the dispute is resolved.
NOTE: I just had one my borrowers resolve at least 7 disputes and the score dropped 0 points. That's right! ZERO points. Conversely, when a dispute is removed, you can count on your scores dropping. How much? That is depending on how long that dispute has been sitting there.
Hope this helps!
As requested, PM sent.