HELP ON LOAN FHA FRAUD?OPTIONS?

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Ok put deposit down on house deal is excellent. I currently have 25% down to get a conventional loan but the problem is my credit score. Bank of America requires 680 as the middle number but right now my credit is 643, 662, and 730. I have a dispute I just filed today with experian because me and my dad have the same name and they ran the WRONG name under it (it was his loan for 111 and never got paid) and it is the one negative item on my credit. They said it takes up to 30 DAYS TO GO THROUGH!! and bank of america said that it may not be a huge difference, but it should because EVERYTHING WAS PAID ON TIME AND that is the only problem. I have no debt and a great amount of reserves. I am calling the place that has ran the wrong name and will file a dispute with them..

The other suggestion was from the bank of america rep, was to take out an FHA loan. This is an investment property and I clearly said I will not be living there yet she still recommended on taking out this kind of loan. She said I can always say I had to move and circumstances changed but I am aware this is FRAUD. Should i try other banks ?? or how can I get apporved please any advice. I am not losing this deal!!!