your fault

I would just like to thank mutual and federal for making my loan approval for a home become a nightmare. And it is not even my fault. I was declined because of late payments and didn't even know that I was given over to the credit bureau. Shouldn't there have been procedures followed, well I didn't get it. now my name is bad and to top it all off my payments were never behind. not once. And I wanted to give my new baby girl a new home. sorry wont help. there is nothing you can do to fix this.