1. In the sample letter, fill in your personal information. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment.Use this sample letter to dispute mistakes on your credit report. Credit reporting agencies are required to provide you a free copy of your credit report once every 12 months. All you have to do is request a copy. Use this free template to simplify your payment collection process and boost efficiency for your business. I do not plan to use the account, therefore, I would like the credit line to be closed out. The Owner Occupancy Credit is a real estate tax reduction available to a homeowner for their principal place of residence. This sample letter will help you know how to address the major credit bureaus about disputing errors on your credit report.