Credit Advice for home loan

[Sacoria Henderson]

My partner was approved for a home loan but he has a charged off account his ex wife’s put in his name and failed to make the payments. Our loan officer gave him advice about paying off this account so his interest rate on the loan will go from 6% to 3% and it would raise is score up 40 points (that’s the only negative account on his report)

He wants to just dispute this account but technically according to his divorce decree all accounts in his name he is responsible for so I don’t think that will go far.

I think it’s a no brainer to just pay the account off for a better interest rate but he thinks it would be better to dispute it? Advice please 😊

Thanks in Advance 🤗