1. In the sample letter, fill in your personal information. A credit letter reflects your financial standing with us.(SAMPLE FORM- PREPARE ON BANK LETTERHEAD). This e-book provides templates for 21 most effective credit and collection letters that will help you communicate better with your customer. Fill out a credit dispute letter and include supporting documents. A debt validation letter is a written communication that a consumer sends to a debt collector or creditor to request verification and validation of a debt. 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. Step 4 – Creating the Dispute. Check Out These Results I've Got for My Clients! These are actual confirmation of removal of items from the credit bureaus:,.