Another thing I learned during my recent mortgage application process was that at least in my case, disputing an item on TU caused the lender to be unable to generate a TU score. Thus, I only had two scores at one point and the lender was going to use the lower one.

So if your Experian score is OK and you can boost your Equifax score by disputing balances you could completely negate your TU score if you want.

This was my personal experiance and YMMV. Later on in the process when the item was deleted from TU the lender was able to get a score.