Sorry your experience was anything but what you expected. The brief explanation you provided along with the lender's verdict that credit was the problem leaves me to believe that the problem was with your debt to income ratio. If your credit scores had incresed by 20 points since initial loan application I can only imagine that the debt to income ratio was somehow affected by a credit report that was not updated.
I hope by now you have resolved your problem and are happily in your new home.
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