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.Below is a sample letter to help you craft your own letter. Send the letter via certified mail and keep the return receipt for your records. Fill out a credit dispute letter and include supporting documents. Formally disputing an error involves writing a formal dispute letter to the creditor as well as the appropriate credit bureau reporting the inaccuracy. A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. Get your free copy here! 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.