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[Music] [Music] hello everyone this is coach wade visionary of the hidden mastermind group and today were on the website of credit info center and were going to read an article entitled letter explaining late payments applying for credit applying for a mortgage loan and i will put a link in the description field of the video that bring you directly to this article letter to explain late payments when applying for credit how to write a letter explaining your mortgage and or other late payments when applying for credit so you have gotten your credit report in the best shape possible and youre trying to buy a home but your credit still has some dings even though you may qualify the lender will always ask you to explain any late payments on your report this letter will not help a desperate credit situation but may make a difference in a marginal one the basic premise of this letter is the situation you were in which caused you to pay late was beyond your control you vowed to never let i