Does disputing credit report help?

My credit score is low I dont have to many bad marks on my reports but there are a few that to me arent mine as far as I know.Than there is one or 2 they all total to maybe $1,000 that are mine.I was going to dispute this through equifax lets say,but last time I did this some creditos complied but marked on my report charge off.Charge off do hurt your report correct more or does it help?I wondering if i should dispute the credit report or if I should just wait till I have the money and pay them off.Im trying to build a house in 8 months..Any help??