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. 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. Credit Letter - Free download as Word Doc (. Send the letter directly to the office, department or individuals involved in the situation. Simply sending the letter to the ombudsman is not appropriate. A letter of instruction is a document that lists all relevant financial information that your family members or executor need if something happens to you. Fordelete letter can be the first step to resolving a collection account and getting it off your credit report.