1. In the sample letter, fill in your personal information. A pay for delete letter is a negotiation tool to have negative information removed from your credit report.Learn how credit reporting works and how you can dispute inaccurate items on your credit report through Capital One. The document is a credit card application rejection letter from a financial institution. If you want to write a letter of explanation for a mortgage lender, you'll need to provide clarifying information about your finances. Fed up with searching for effective goodwill letter templates? We've tested over 15 to find the best one, and we'll give it to you for free. My denial letter is dated February 14, 2023 and I think I have 30 x days to overturn or do reconsideration elsewise start over from scratch. If you want to file a dispute with Capital One, please complete and sign this form with your detailed information. Do not mail your dispute form or letter with your credit card account payment.