It is essential to have a detailed credit dispute letter template to inform the bureau of the discrepancies and have it make modifications. Fill out a credit dispute letter and include supporting documents.A letter of explanation is a request from the lender to explain certain credit items that have shown up in your loan documents. 1. In the sample letter, fill in your personal information. Example: Selena falls behind on her credit card payments, and after several months of missed payments, the card company marks the account as a charge-off. A hardship letter explains to a lender why your current financial situation prevents you from making payments and proposes a solution. I formally request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history. Debt Consolidation Loans. Many Americans, including John, felt Parliament was threatening the rights of the colonies and the "Acts," if carried out, would disturb the American economy.