1. In the sample letter, fill in your personal information. Below is a sample letter to help you craft your own letter.Send the letter via certified mail and keep the return receipt for your records. You may want to attach copies of documents that support your dispute, such as proof of payment or a police report. This letter explains my credit history and why it is currently at (include your current or estimated credit score). The purpose of credit explanation letter is to acknowledge that you had a challenge in your previous life with your credit or maybe currently. Sample Letter of Credit in MS Word format. Use this sample letter to dispute incorrect or inaccurate information that a business supplied to credit bureaus. The best credit report dispute letter is short and straight to the point. It uses respectful, professional language.