While you should be thorough, don’t give them more information than they need. For example, they don’t need to know every gruesome detail of a medical issue, or the ins-and-outs of a messy divorce!
For example, let’s say you are sending a payment in late because your car broke down and you had to pay to fix it. You may tell your creditor that your car is fixed, so that particular problem is eliminated. However, you need to explain why these kinds of problems won’t interfere with timely payments again. You can put money aside for unforeseen circumstances, prioritize this particular creditor in the future, etc.
