How to use the template: 1. In the sample letter, fill in your personal information.This e-book provides templates for 21 most effective credit and collection letters that will help you communicate better with your customer. A credit letter reflects your financial standing with us. A credit dispute letter is a formal document that businesses send to credit bureaus to rectify inaccuracies or outdated information in their credit reports. This letter can be used to ask collection agencies to provide you with information concerning their basis for claiming that you owe a debt. Sample Letter 8.14 was written to offer retail credit to a customer who had filled out an application when she was in one of the company's stores. Get your free copy here! A credit dispute letter includes personal information and enclosures that help credit bureaus investigate mistakes. One way to fix an error on your credit report is to write a credit dispute letter and mail it to one or more credit bureaus.