I checked my credit, and saw that I lost 40 points...

I checked my credit, and saw that I lost 40 points on it which is sad because i was approved for a house loan.(Not Anymore) I was really upset and i then did researched who the credit collection was and paid them back. I have not heard 1 word from this collection agency, they did not do a very good job contacting me and if they would have, i would have paid it instantly. I do appreciate how nice they treated me during our conversation but you could have contacted me FIRST before damaging my credit.