How do I write a letter to a mortgage loan company explaining bad credit and late payments?

I am trying to apply for a mortgage loan to get a house. I just got out of the military and was deployed for 3 of the 4 years and sometimes I didn't pay bills. How do I explain that. I have already started to pay bills off and fix my credit.

How do I write a letter to a mortgage loan company explaining bad credit and late payments?
I don't know if it will help to give them reasons you didn't always pay. If you think it will help explain that you couldn't get your mail out due to being in a war. If you didn't have a support system at home like parents that could handle your accounts while you were deployed explain why.


You may have to wait to buy a home until you have good credit and are out of debt.
Reply:It will not help. They look at the credit report and score and go from that. The best thing you can do is get caught up on everything and join a credit union. In a couple of years, you should be in a position to get a mortgage.
Reply:Explain you were deployed when all of the late payments took place. Whether or not this will help I don't know, but that is your best course of action.