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Example of a credit inquiry explanation letter:

Any inquiries into my credit in the past 90/60/30 days have been mortgage/rent/student loan related. I have not opened any new accounts or applied for new credit other than mortgage/rent/student loan.

I have applied for several new tradelines in the past 90/60/30 days as I have need several items. These accounts should be appearing on my credit report and included in my debt ratio. Please let me know if I can provide further information on any tradelines I have opened. (You will more than likely be asked to provide statements that show minimum payments due.)

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9y ago
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9y ago

You can just write a letter and state the reason why your payments have been late. They may let you slide and they may require that you do something to make them up.

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Q: How do you write a credit inquiry explanation letter?
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