This letter can be used to ask collection agencies to provide you with information concerning their basis for claiming that you owe a debt. 1. In the sample letter, fill in your personal information.Get your free copy here! Formally disputing an error involves writing a formal dispute letter to the creditor as well as the appropriate credit bureau reporting the inaccuracy. Don't let bad credit scare you away from an apartment. Write a letter explaining credit problems to your landlord and get a fighting chance. Learn what a letter of agreement is and how to write one, including a template and example to help you get started crafting your own. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain.