1. In the sample letter, fill in your personal information. The name of the Plaintiff appears in the first page of the complaint on the top left side. The.Use this sample letter to dispute mistakes on your credit report. A letter of requirement, or a request letter, is a document that requests specifics such as information, materials, feedback or a pay raise. A Letter of Explanation (LOE), adds more detail about your financial situation. Find out how to write an LOE and when you might need one. It should be short and, unfortunately, impersonal. The purpose of credit explanation letter is to acknowledge that you had a challenge in your previous life with your credit or maybe currently. 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.