A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. 1. In the sample letter, fill in your personal information.This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. In Utah, a promissory note is a written legal document establishing a lending agreement between a borrower and a creditor. For example: You and a friend agree to share an apartment and split the rent 50-50. Both of you (or just you) sign a 1 year lease. As some of you know, I am a credit attorney. That means I help people with credit and debt issues. Provide copies of any relevant documentation (keep your originals) that you believe supports your claim. Find useful resources and answers to common questions for Utah residency requirements and the reclassification process for in-state tuition rates.