1. In the sample letter, fill in your personal information. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.Get your free copy here! Our guide will teach you how to write a letter of explanation, plus offers a free template to help you write one of your own. Providing a letter that explains your credit can help if you have a low credit score. Use this sample letter to get your next apartment. Form C-3 - Sample Notice of Action Taken and Statement of Reasons (Credit Scoring) Dear Applicant: Thank you for your recent application for _____. A pay for delete letter is a negotiation tool to have negative information removed from your credit report. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. A pay for delete letter is a negotiation tool to have negative information removed from your credit report.