Stonegate Mortgage Corporation Mortgage Complaint

Stonegate Mortgage Corporation Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker California

Initiated a refinance with Stonegate Mortgage. Supplied all documentation ( credit report, paystubs, - 's etc. ) scheduled and purchased appraisal, appraisal completed, loan to pre-processing. Lender contacts me about derogatory remark on - account on credit report, states loan can not continue until removal of derogatory remark. Instructed me to contact all - bureaus to have remark removed. By this action, FICO score reset from - to - - ruined as it falls below -. Result : No loan, out $490.00 appraisal fee, credit ruined. Why did the lender not advise me that requesting a removal of a remark would have negative score reset? After working hard to get score up to - now its -. This will damage my ability to try financing from any other institute or could cause damage in my ability to secure employment or any other credit related financial situation that I might come across. How did simply requesting a removal of a comment that should not have been there in the first place cause my score to suddenly drop - points? If making inquiries to credit companies in an attempt to rectify a wrong how are consumers supposed to 'clean up ' their credit.