This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. Providing a letter that explains your credit can help if you have a low credit score.Use this sample letter to get your next apartment. 1. In the sample letter, fill in your personal information. A goodwill letter is a correspondence that asks creditors to remove negative remarks from your credit reports. Example: Selena falls behind on her credit card payments, and after several months of missed payments, the card company marks the account as a charge-off. Savings based on the 25th and 75th percentile of work and life experience credits awarded to University of Phoenix undergraduate students in 2022. Checks must be completely and properly filled out, including the amount sections. Late Payments Letter Phoenix Rising Templates This letter shall be sent to the Credit Reporting Agencies; Experian, Transunion and Equifax. Many debt collection lawsuits are rife with errors, and you may not even owe the amount alleged in the lawsuit.