See a sample Answer Form for Consumer Credit Transaction. 1. In the sample letter, fill in your personal information.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. You can link your Fulton Bank checking account to another eligible Fulton account such as a savings, another checking, money market account, or line of credit. Use this sample letter to dispute mistakes on your credit report. Clearly express your desire to study at Fulton, then possible give a brief explanation of why you've chosen Fulton for your studies. The two most common reasons the court will vacate a default judgment are for 1) excusable default, and 2) lack of personal jurisdiction (bad service). Mortgage lenders might request a letter of explanation for various red flags that come up in underwriting. Learn how to write one, and download a template. Complete our online form.