Home Equity Loan

I have to write a letter in order to get a home loan as to why I have a couple late payments. Any suggestions

I had a 60 day late on a small credit card and a 30 day late on a debt consolidation loan. I am being asked for some sort of reason why they were late when really there is no reason then being irresponsible and busy. What should I write?

Public Comments

1. This is not uncommon for underwriters to ask for a letter of explanation for late payments. Write a letter stating that you don't recall receiving the billing statements and through oversight and a busy schedule, those payments were unintentionally missed. Also, mention that you have not been late since the oversights and that you have organized your financial affairs that should not allow this to happen again.
2. The first answer is appropriate to use.
3. LOL..... I had to do the same exact thing. Same situation... Just wright that you had lack of funds at the time. Thats what I did and all when well.
4. think of something say how stupid you are and that your sorry p.s. I don't think your stupid but it's what there want to hear