This e-book provides templates for 21 most effective credit and collection letters that will help you communicate better with your customer. We've created ready-to-use collection letter templates.Read on below to find out what every letter should say in order to collect payment as soon as possible. Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. A wellcrafted credit inquiry letter of explanation can explain honestly and clearly your financial history and your real estate ownership. This sample letter is used to follow up with a credit bureau with respect to the original dispute letter you already sent to them. These are the actual letters I have sent. I'll note the situations for each letter in red. 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. Water Quality Sample Collection.