1. In the sample letter, fill in your personal information. See a sample credit dispute letter below.This stepbystep guide will take you through all the necessary details you must know to successfully dispute any error on your credit report. Examples of dispute reasons you can use are follows: The Account does not belong to me. The account payment history is incorrect. Fix credit report errors with our easy guide on writing a credit dispute letter. Start improving your credit score today! I talked to a mortgage guy and was telling him that i was trying to repair my credit, and getting some mistakes corrected. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. I'm writing to dispute information on my credit report.