Disparaging Looks

That can be something as easy as informing him that the bad credit was the result of being laid off for several months, because then he knows you had justification. Keep in mind he has only your word to go on, so the more reinforcements you can give him, the better your chances.

The final steps

Once you have filled out the paperwork, and the lender has made a decision, you can move forward if you are approved. If not, and you did not explain the reasons for any negative remarks, you can try appealing to him at this time, but in most cases, if you weren?t up front about it, the damage is done. Sometimes before the final decision is rendered the lender will contact you to ask about the credit issues, and at that point, you should let him know if you haven?t already.
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