I worked my way through Guideline F issues last year. Look at the mitigating circumstances and write up your story for each item on the SOR or FORM, which ever you are dealing with. You need to show the cause of each issue, show that they were basically one time issues (or that several things snowballed to cause your problems.) Provide as much explanation and documentation as you can.
The government, in their response, will try to show that the issue listed represent a pattern of failure to pay bills and meet your obligations. But, if you show that, for example, two periods of unemployment in three years caused you to fall behind on your mortgage and THAT caused you to miss reasonable credit card or car payments, but that you were working with the bank on your mortgage and trying to negotiate on the car loan, it shows that you were doing your best to be responsible. But, things simply got beyond your control.
I would be happy to help you prepare a response (yes . . . I enjoy this sort of thing) but understand that I am NOT OFFERING ANY TYPE OF LEGAL ADIVCE OR REPRESENTATION.
If you are reasonably bright, you should be able to locate me on some social media platform and reach out.