Sample delinquent credit explanation letter 2025

1. Click ‘Get Form’ to open the sample delinquent credit explanation letter in our editor.
2. In Section 1, enter the application number for the loan that was rejected due to derogatory items on your credit report.
3. In Section 2, either check the box or write the name of the Credit Bureau that issued your credit report containing the derogatory items.
4. For Section 3, list each derogatory item in chronological order. Include the creditor's name, date added to your report, and the amount involved.
5. In Section 4, provide a detailed explanation for each derogatory item listed in Section 3. Be honest about your circumstances and describe steps taken to resolve these issues.
6. If additional pages are needed for explanations, check the box in Section 5 and indicate how many pages you are attaching.
7. In Section 6, check if you have attached supplementary documentation and specify how many pages are included. Describe what each document relates to from Sections 3 and 4.

Start using our platform today to easily fill out your delinquent credit explanation letter for free!