See a sample credit dispute letter below. How to use this sample letter: 1.Read the background below. 2. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. I am writing you this letter in concern for the economy, my family, and my home. 1. In the sample letter, fill in your personal information. The Pennsylvania Housing Finance Agency (PHFA) has acquired your mortgage loan and will be servicing it. Letter of Credit Commitment Sample. An adverse action disclosure letter lets you inform potential employees about their credit checks and, if you choose, gives them a chance to respond. Thank you for your interest in the Montgomery County Homebuyers Program.