September 12, 2003
Ms. Eunice M. Enriquez
APC Credit Line
Dear Ms. Enriquez :
This letter is to explain the late payment being reported on my credit report.
For the last 2 months, my husband had been hospitalized which put him on a short-term disability. When that happened our income was decreased by $1400 a month and we got behind on some of our payments.
Since August, my husband has been back to work and we have been able to pay our bills on time. Before my husband’s accident we had always paid our bills on time and were only late due to a situation beyond our control,
We are responsible and pay our bill on time. Thank you for giving us the opportunity to explain and to own our own home.
Mery Jeanne L. Roman