my mortgage lender has requested I write a letter explaining some negative items on my credit report.. help?
The only negative items that I have on my credit are medical bills that my wife and child acummulated when we did not have health insurance. Thankfully we now have health insurance.
I have indicated this to my mortgage lender and they are asking me to write a letter of explanation regarding this.
Since I want the letter to be ‘perfect’ and completely what the lender wants, can you point me to a sample letter on the net or suggest thoughts?
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There is really not a perfect, just a truthful letter. Clarify to the lender that at the time your wife and child were ill and had to be under doctor’s care you were not able to pay the medical debts that were accumulating because you did not have health insurance nor were you covered by a HMO.
Since then I have not bought health care for my family, this problem should not exist again.
If this is the truth of what happen something along this line would work.
Most lenders know and know that individuals will go to the hospital or medical center to get well even if the have no money or health insurance.
If you are in contact with the medical people to pay this debt,or make payments on the debt say so, if not then leave this out.
I hope this has been of some use to you, excellent luck.
"FIGHT ON"
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