Address the letter directly to the lender or the person who requested it. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment.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. 1. In the sample letter, fill in your personal information. Provide a clear explanation: Your letter should acknowledge and indicate why something happened. We've included a sample credit report dispute letter that you can send to credit bureaus. Dear Sir or Madam: I am writing to dispute the following information in my file. Use this sample letter to dispute mistakes on your credit report. Mailing your letter and a completed dispute form will help ensure that you give the credit bureaus the fullest picture of your dispute.