Credit Score Killing me!

[Jared Chipkin]

What a lovely Thursday morning...

I am under contract on a house in Littleton.Co.  Hooray!

The only problem is that my credit isn't perfect.  My credit scores are 705, 715 and 780. Since the lender goes with the middle score I am not getting the best rate on this 30yr loan.  My wife has perfect credit, but since we will be undertaking two loans we need both of our incomes to make this happen.  I have a delinquency that will be removed come December of this year since it will have been 7 years ( $30 Walmart credit card bill has cost me thousands of dollars and is now going to cost me thousands more!) Pay your bills on time kids. :-) 

Does anyone have any ideas to get a better rate?

[Chris Haas]

With a few clicks you can  dispute any charge on your credit report.
With it being so long ago, I would dispute it and wallmart may take it off since it's almost off anyway.