How to use the template: 1. In the sample letter, fill in your personal information.Get your free copy here! Use this sample letter to dispute mistakes on your credit report. Use this sample letter to dispute incorrect or inaccurate information that a business supplied to credit bureaus. Fix credit report errors with our easy guide on writing a credit dispute letter. Start improving your credit score today! See a sample credit dispute letter below. A dispute letter is your first step towards fixing errors on your credit report and reclaiming your financial integrity. There is no specific format as such to the Letter of Explanation.