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One missed payment causing me not to be able to purchase

Hello everyone! First I want to thank each and everyone of you for your post, inspiration and support. This is really a strong community we have here. I would love to get your advice on a issue I’m having during my home buying process. I was able to get my credit up to 650 from the low 400s with the help of this group in 1 year!! To qualify for the home purchase, I was told that I need at least a 620 and no late payments in 12 months. I purchased a vehicle 6 months ago and traded in another vehicle that had a smal 3K balance. The dealership was supposed to send the check to Bridgecrest (I know they are horrible but I was in a bind for a vehicle years ago) but the dealership dragged their feet on sending the check to the previous Finance company. This resulted in the check being sent to the previous Finance company late. They reported the late payment to the bureaus and now I’m unable to get my house right now because of an error on the dealerships behalf. Do any of you all have any recommendations for me? I’ve been told to get a letter and dispute but that could take months. Thanks in advance for your assistance.

submitted by /u/Leather-Grand2179
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source https://www.reddit.com/r/RealEstate/comments/xlwdph/one_missed_payment_causing_me_not_to_be_able_to/
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