I have to write a letter of explanation for derogatory credit report info. What should I write?

im a FHA buyer and i need to write a letter. im stuck on how it should i wanna convience them that i am different person. ive matured and realize credit is everything. mind you i messed my credit up in my early teen - 20 years files bankruptcy and all, and now i have been working on my credit for 3 years .and... show more im a FHA buyer and i need to write a letter. im stuck on how it should i wanna convience them that i am different person. ive matured and realize credit is everything.

mind you i messed my credit up in my early teen - 20 years files bankruptcy and all, and now i have been working on my credit for 3 years .and it has improved.

please help me
1 answer 1