So I am planning to buy a house where I match and looked into BOA physician loans. They told me I need a 720 credit report score, which I don't have because there's an inaccuracy in 2 out of the 3 bureaus where a collection agency says I owe them 75 bucks (I don't). I do have >720 in Experian. BOA recommends paying off this inexistent debt. Any other physician loans out there? In the meantime I am trying to get the inaccuracies deleted. Anybody else in this scenario?