Ask for a Reasons Why You Were Denied Credit. Use this form to request a statement of reasons why you were denied credit from a lender, bank or finance company.Use this sample letter to dispute incorrect or inaccurate information that a business supplied to credit bureaus. 1. In the sample letter, fill in your personal information. This page briefly explains why the Michigan Department of Treasury contacted you. This letter explains my credit history and why it is currently at (include your current or estimated credit score). Find an example of how a consumer dispute letter should be written and sent to a credit reporting agency in Michigan. For more information contact our lawyers. A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. The sample letter below will help you to get details on the following: Why a debt collector thinks you owe this debt.