1. In the sample letter, fill in your personal information. 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. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Use this sample letter to dispute mistakes on your credit report. A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. How to use this sample letter: 1. Read the background below. 2. A wellcrafted credit inquiry letter of explanation can explain honestly and clearly your financial history and your real estate ownership. The best credit report dispute letter is short and straight to the point.