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.A credit dispute letter includes personal information and enclosures that help credit bureaus investigate mistakes. Below is a sample letter to help you craft your own letter. Send the letter via certified mail and keep the return receipt for your records. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. Use this sample letter to dispute mistakes on your credit report. A credit card authorization form allows a third party to obtain authorization to process a payment. A credit card authorization form allows a third party to obtain authorization to process a payment.