1. In the sample letter, fill in your personal information. Providing a letter that explains your credit can help if you have a low credit score.Use this sample letter to get your next apartment. Note: the text of the model letter is exceptionally brief. Most appeal and request letters require a page or two. This program will help you write a letter that formally requests the money you are owed. This is called a Demand Letter. Our guide will teach you how to write a letter of explanation, plus offers a free template to help you write one of your own. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. A goodwill letter is a correspondence that asks creditors to remove negative remarks from your credit reports.