FHA Loan - Underwriter/LO Need My Credit References, But Unsure of Delinquencies?

I've been qualified for an FHA and now the underwriter needs credit reference letters from companies that could prove I have no bad payment history (utilities, phone bills, insurance, etc) and have never been delinquent. AT&T is my phone and cable service provider. I called their customer service 800-number and none of them seem to know what I am talking about when I said I need a Letter of Credit Reference. I’m stuck and don’t know how to proceed because I need to come up with three letters from three different providers! They said a letter from my apartment landlord is one that they would accept, but I remember that there was a month that I underpaid the rent for $12.50 due to a pet-ownership rate change that I didn’t catch. Will that twelve dollars affect my application, especially that FHA and the underwriter seem to have such a strict policy of “no delinquency” allowed? by JennyLu921 from Carrollton, Texas. Feb 23rd 2017 Reply