FHA Loan Rules on Disputed Accounts (Updated 2025)
If you’re applying for an FHA loan, but your credit report shows disputed accounts, you need to understand how this can affect your approval. In this video, Joel Lobb — licensed Kentucky Loan Officer (NMLS #57916) — explains the FHA’s updated rules for handling disputed accounts, what counts as “significant derogatory,” and what you can do to improve your chances of approval.
💡 You’ll learn:
What FHA considers a “disputed account”
When disputed accounts must be resolved or removed
The $1,000 threshold rule for disputed derogatory accounts
Exceptions for medical collections and identity theft
How to fix credit report disputes before underwriting
