A credit freeze is the top way to safeguard yourself from financial fraud and identity theft, according to money expert Clark Howard. How to use the template: 1.In the sample letter, fill in your personal information. In this article, we'll show you how to place a security freeze on your credit with all three main credit reporting bureaus: Experian, Equifax and TransUnion. Here's everything you need to know about drafting and filing an Answer to a credit card debt lawsuit, with sample Answers included. Use this sample letter to dispute mistakes on your credit report. Get the best 25 credit dispute ideas on Pinterest. Use our professional templates to dispute any errors on your credit report. Example: Selena falls behind on her credit card payments, and after several months of missed payments, the card company marks the account as a charge-off. My account number is ______________________.