1. In the sample letter, fill in your personal information. This Letter of Credit is subject to, and governed by, the laws of the Commonwealth of Pennsylvania and.This Letter of Credit pertains to the plan of. , containing ______ lots, which was prepared on. by. What should I include in a dispute letter? State Your Request: In the opening paragraph, clearly state your request for debt validation. Use formal language and be specific about what you are requesting. Step 4 – Creating the Dispute. Check Out These Results I've Got for My Clients! These are actual confirmation of removal of items from the credit bureaus:,.