@Anonymous wrote:
Hey Moosemoney! Thank you for your reply! Would you mind too much to C&P your letter here?? Your situation is somewhat similar to mine. My husband and I were setting out to buy a house in 2015 and we refinanced our vehicle with our credit union. My husband was laid off then had hours cut back between June 2016 and December 2017 - eight 30 days to be exact. Those late payments are what's killing my husband's score and we desperately need some relief with at least a few of the more recent lates.
His score right now is like 530 and we're praying to raise it high enough for a FHA home loan by August or September.
I have learned on my credit repair journey that using a template is a bad idea. You will get a lot further with honesty and realness. I will PM you a copy/paste sections of my letter to give you ideas, but I highly suggest you write your own, as it will be unique to your situation. 