1. In the sample letter, fill in your personal information. We understand that the sum of this Letter of Credit is derived from an estimate of.Complete accounting of alleged debt. • Commission for debt collector if collection efforts are successful. FindLaw provides a sample credit repair letter and outlines the common reasons a consumer would have for sending a letter to a creditor. Address the letter directly to the lender or the person who requested it. 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. Use this sample letter to dispute mistakes on your credit report. Address the letter directly to the lender or the person who requested it.