1. In the sample letter, fill in your personal information. This Credit is subject to the "Uniform Customs and Practice for Documentary.Use this sample letter to dispute incorrect or inaccurate information that a business supplied to credit bureaus. 809 (b) of the FDCPA. 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! Below you will find samples of the four types of dispute letters we outline above. A letter of explanation can clarify your financial situation and get you one step closer to qualifying for a mortgage. Fill out a credit dispute letter and include supporting documents. FindLaw provides a sample credit repair letter and outlines the common reasons a consumer would have for sending a letter to a creditor.