Can you're credit score go down after a mortgage funding company make several inquires?

I hope someone can help me with my question. I am currently 6 days from what I thought was going to be my closing date on a home my husband and I had built. We started the process in May and our credit revealed scores in the mid 700’s. As we got closer to the house being complete, the mortgage funding company pulled another credit report in November, everything still look good and in the mid 700’s. I just received a call today and they said my credit rating has dropped dramatically. My rating dropped from mid 700’s to low 700’s and my husband’s drop to mid 600’s. We have not applied for any new credit accounts, we continued and always pay bills on time, our card balances are in good standing so we can’t figure out why the dramatic change. They looked at my credit report and didn’t see anything different. The only inquiries listed are from the funding company. They pulled my credit in May of this year, November 16 and November 17, December 17 and it appears they pulled it again yesterday because that’s when they noticed the new lower scores. They contact the credit bureau and the credit bureau said it was due to an inquiry from one dealership back in January 2008. We did purchase a car last January, but we went to that one dealership and I do not see the inquiry on my report nor does the funding company. I am wondering if the inquiries from the funding company lowered my score. I was told that it wouldn’t, but this is too crazy and I do not understand.

The Bank is stating a lower credit score than my report says?

I am applying for a first time home buyers mortgage, and the bank (Wells Fargo) ran my credit. At about the same time, I ran my own using freecreditreport.com and got all 3 credit bureau reports. The Credit Score the bank is reporting is almost 100 points less than any of my credit scores I obtained. I called to ask about this, and they re-ran my report and got the same low score.

What gives?

How do I get out of a contract for deed? or get a loan w/a high debt to income ratio and low credit score?

My husband deserted me and my daughter and his name is still on the contract. He gives me no $$ support. I gross only 00/mo. A mortgage broker told me my debt to income ratio is too high to get a loan and that my credit score, 545 is too low. They want 0/k for the house and they want me to pay the property taxes, 00 and since my husband left me with the financial burden and I don’t have his whereabouts. I hate this bind I am in, can anyone give me some advice? My payment is 00/mo and I am living on paycheck advances to buy food because of the high house payments which are not being credited to anything, really…The mortgage holders are lawyers and are having the payments taken out of my paycheck through a collection company and aren’t even having the payments reported to the credit bureau to help improve my credit score? I need a quick solution since my husband has been gone for 7 months now. Help?????