Have an urgent question if anyone can help... I have applied for a mortgage with my husband, and just got notice from the lender that there are three late pays on credit cards less than a year old (Cap One in 3/03, Sears in 10/02, Citibank in 11/02). He said they were denying us based on this, but with a good explanation letter, he can resubmit, and if I get him the letter within the next hour he can possibly have an answer today. We're looking to close in 2 weeks so this is urgent... To be honest, I don't know why they weren't paid other than an oversight (which is not a good explanation). All were very low payments ($10-$20 on Cap One and Sears and $80 on Citibank). Anyone have advice for me???? Thanks!!!