1. In the sample letter, fill in your personal information. Use this sample letter to dispute mistakes on your credit report.A credit dispute letter includes personal information and enclosures that help credit bureaus investigate mistakes. Examples of dispute reasons you can use are follows: The Account does not belong to me. The account payment history is incorrect. Fix credit report errors with our easy guide on writing a credit dispute letter. Start improving your credit score today! Our guide will teach you how to write a letter of explanation, plus offers a free template to help you write one of your own. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. You must fill out an Answer, serve the plaintiff, and file your Answer form with the court.