See a sample Answer Form for Consumer Credit Transaction. Explanation of Your Issue(s) or Request(s) – Please provide as many details as possible (i.e.1. In the sample letter, fill in your personal information. Complete the applicable sections below to establish, change or discontinue an automatic investment plan. Establish or change an automatic investment plan. Technically, the answer is no. Credits never expire. 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. I think I also wrote the credit card account number and expiration date on the letter. I made a copy of the letter and have it in my desk.