I would like to state that I am executing this letter to manifest to the creditors and financial institutions concerned that I am an individual of good credit standing and that I am qualified and eligible for the Housing Loan that I am applying for.
I am well aware of the fact that recent events may lead some to believe that there may be some concerns with regard to my credit worthiness. I would like to personally assure the concerned parties that there is no need for such. In order to assuage the fears of my creditors, I feel that it is best to provide a clear explanation of the events that have recently transpired.
The events in question all began in 2003 when I filed for bankruptcy. This was because I was going through a difficult time in my life as I was supporting my ex-husband and had a number of marital issues to deal with. I had applied for three (3) credit cards that same time and was given approval for all of them. Unfortunately, I was not able to settle my outstanding balance because I was forced to relocate from Colorado to Georgia due to grave threats that my ex-husband had issued.
I understand these events do not excuse nor exempt me from any financial liability or obligation that I have with the financial institutions concerned. In my defense, I would like to make mention of the fact that despite these events and circumstances I have gotten in contact with all my previous creditors and have apprised them of my previous situation. After my discussion with these companies, I was able to resolve the problems. Soon after that I was also able to secure a stable job and have really improved my financial standing.
I am a person of principle and one of those principles is in settling my debts to others. I do not only proudly say this but also feel that I have sufficiently demonstrated this through my actions. I am confident of my financial position at this time and feel that my credit worthiness is not a matter that myself or anyone else for that matter should be concerned about.