This e-book provides templates for 21 most effective credit and collection letters that will help you communicate better with your customer. 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.Use this sample letter to dispute mistakes on your credit report. Get your free copy here! How to use the template: 1. In the sample letter, fill in your personal information. It is essential to have a detailed credit dispute letter template to inform the bureau of the discrepancies and have it make modifications. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies and you continue to validate it. Send a Dispute Letter to Your Card Company.