My credit score dropped 100 points and I cannot qualify for low interest home loan.

HELLO, BO
I came across your website, and was interested in alot that was said on there. In April I had my report pulled by a Mortgage company. At that time my credit was 670. When it was sent to the bank it went down all most 100 points. I have a credit card company that reported me late in April and in May. Which is not true, But of course they are not going to change the information. Also at the same time. There was a collection agency that had a Hospital bill that was my daughters. I was paying on the bill but not to there expectation so they sent it to the credit agency. I called them and did go ahead and paid it in full. But they are still reporting it has not paid. This is getting so old. And I have to get this cleared up fast. Do to getting it to raise so much to be able to get the loan that we need.
Thank You,
Live Human Being who needs credit fixed.
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"majors@oskie.com" / to Fix Credit Fast Need Home Loan / show details / 5:14 pm
If you are late RIGHT NOW on anything when you pull your credit the score can drop 100 points.
Use the debt validation letter on the collector
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
See if they can meet all these requirements legally. If not they have to take it off.
Plus once you they accept a payments plan they cannot take you to court as they accepted another amount. They can report you to bureaus. But you have some leverage on getting the account removed and I would try to use some.
As far as the credit cards go....it sounds as if you have already done the right thing to no avail.
I would still try though. Might Dispute the items as incorrect reporting never late.
Use the dispute form on my website