If you didn't pay your bills because of a one-time problem, then make sure you mention that in the letter. They don't care as much about the past as they do the (their) future. If it was a one-time occurance make sure that you say that it won't happen again (assuming that you believe that). I've written several of these types of letter for coworkers. I work with several former LEO's, and not a one has good credit. We stress that they're making more money now in a more secure job, and we toss in a positive review from the owner of the company to show the lender that their job is secure. If you can get anything from work stating that they're not planning on laying you off soon and that you are a "good employee," then that should help. Last July, I helped a friend, with horrible credit and a felony conviction (for stealing evidence!), get a loan on a $90,000 house with only 2% down. The interest rate wasn't great, but more importantly for his wife and kids, he has the house now. I worked hard on that one. On more thing, be persistent. If they see you at the bank often, they know you're serious. When making a deposit or withdrawel, go into the bank to be seen. The loan officers usually have a lot of control of who they can do business with. If they "know you," then you'll be more likely to get the loan.z