1. In the sample letter, fill in your personal information. Why Do I Need to Write a Dispute Letter?Why were you unable to maintain satisfactory progress? Explain what has changed. Use this sample letter to dispute mistakes on your credit report. See a sample Answer Form for Consumer Credit Transaction. Use this form to request a statement of reasons why you were denied credit from a lender, bank or finance company. 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. I'm gonna fill out um disputes with you guys so i am using my credit reports and i'm going to go through it as if i'm going to send the