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hey its brooks kelly with the mortgage link the brooks kelly team and i want to help you with your consumer explanation letters so this letter comes from your credit report its a bunch of information that we pull and we have to have explanation for the underwriter its not a big deal we just need to know whats happened so its going to ask you about a bunch of addresses that are associated with you so if youve lived at those homes in the last several years its going to come up you just have to tell us if you own that property or what it was that you did when you were there so if you rented from january 1st 2020 through december 2020 just put that on there so just explain what it is theres credit inquiries on there so if you pulled credit somewhere else like if you were shopping for a mortgage before you got to us itll show credit inquiries for that or if you bought a car so if theres a new credit account youll check yes if you just applied for credit and didnt get new credit
