1. In the sample letter, fill in your personal information. A credit dispute letter includes personal information and enclosures that help credit bureaus investigate mistakes.Get your free copy here! The text below can serve as a template for students writing their appeal letter. A credit letter reflects your financial standing with us. Fill out a credit dispute letter and include supporting documents. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. It is essential to have a detailed credit dispute letter template to inform the bureau of the discrepancies and have it make modifications. Learn how to write an effective collection dispute letter with our guide and templates. A 609 letter is a tool that helps you request information about items on your credit report and address errors.