How to use the template: 1. In the sample letter, fill in your personal information.This e-book provides templates for 21 most effective credit and collection letters that will help you communicate better with your customer. Download our sample letter and instructions to submit a dispute with a credit reporting company. A letter of explanation can clarify your financial situation and get you one step closer to qualifying for a mortgage. Get your free copy here! The template below can help you write your own pay for delete letter. Simply update the bolded portions with your own information. Send a Dispute Letter to Your Card Company. A pay for delete letter is a negotiation tool to have negative information removed from your credit report.