How to use the template: 1. In the sample letter, fill in your personal information.Use this sample letter to dispute mistakes on your credit report. I am writing to dispute the following inaccurate information that appears on my credit report. A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. For example, the letter should contain their full name, contact information, and a clear explanation of what information they are disputing. 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. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. The best credit report dispute letter is short and straight to the point. It uses respectful, professional language.