Last week or so, we told you how the FHA wouldn’t back a loan if the borrower was involved in credit disputes totaling more than $1,000.

Now HousingWire reports that the agency has clarified that ruling, saying that in some cases the borrower won’t have to pay off the amount, but can simply provide a written explanation.

According to FHA, if a credit dispute is the result of a “life event,” such as a medical bill, death, divorce, or loss of employment, the borrower can still have his loan insured by FHA.