The following is a sample letter explaining bad credit to a landlord. You can use this as a general template for your own letter.I would like to request to your good office to stop sending and calling us to collect payments. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. Most appeal and request letters require a page or two. A letter of explanation can clarify your financial situation and get you one step closer to qualifying for a mortgage. OTAY MESA-NESTOR COMMUNITY, SAN DIEGO. Dear Direct Loan Borrowers,.