Here's the exact wording from the document checklist:
A typed or hand written letter dated and signed by all borrowers explaining inquiries on the credit report. The letter needs to
address two items. #1 – Why was your credit pulled (did you apply for something?). #2 – Did you open new accounts as a
result of the inquiry? Per the credit report, here is a list of companies that have pulled your credit:HSBC, Alliant, Citi
Starting Score: 3/2010 - TU = 635 EQ = 620