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. Use this letter to dispute an incorrect charge on your credit card bill. For best results, send this letter within 60 days after receiving the first statement. Get your free copy here! You have to tell your credit or debit card company about any error you're disputing within 60 days of when the first statement with the charge was sent to you. For example, the letter should contain their full name, contact information, and a clear explanation of what information they are disputing. The template below can help you write your own pay for delete letter. Simply update the bolded portions with your own information.