Use this sample letter to dispute mistakes on your credit report. See a sample credit dispute letter below.Mortgage lenders might request a letter of explanation for various red flags that come up in underwriting. Learn how to write one, and download a template. 1. In the sample letter, fill in your personal information. A letter of explanation is a brief document you can use to explain something, like a previous bankruptcy, in your financial or employment history. In this video I'm going to show you how to write the best dispute letter that's going to get you results coming up. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. This is your credit record. What happens after I apply for credit?