1. In the sample letter, fill in your personal information. 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.Square offers two free generic credit card authorization forms for download. You do not have to process payments with Square to use these templates. 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. Use this sample letter to dispute mistakes on your credit report. Get your free copy here! A credit dispute letter can restore your credit score after identity fraud. Learn when to send the letter and what to include.