Free tier

Draft letter types

Cloud

Synced to account

You

Send every dispute

How it works

Four steps. You drive every one.

CreditRaccoon helps you prepare. You review drafts and submit on your timeline.

01
Import your report
Upload your free PDF from annualcreditreport.com. Optional AI flags items for your review.
02
Review flagged items
See accounts and inquiries the assistant surfaced. Dismiss what is accurate, keep what is not.
03
Edit draft letters
Get FCRA-grounded draft letters. Copy, download, or print. You choose when to send.
04
Track your progress
Log when you sent a dispute and record bureau responses. Your personal deadline tracker.

Features

Everything you need to dispute yourself

✉

Draft dispute letters

Twelve letter types grounded in FCRA and FDCPA. Always labeled as drafts you edit before sending.

▤

Full report viewer

Browse every account and inquiry from your imported PDF. Flag items straight from your report data.

◎

AI analysis (optional)

Pro includes Raccoon AI, our built-in analysis. Or bring your own Claude or ChatGPT key on Free. Nothing auto-sends.

◷

Deadline tracker

Record when you sent a dispute and track typical bureau response windows on your own.

◉

Free education

Guides on your rights, the dispute process, settlements, and credit building. No paywall.

◈

Private by design

Your reports and drafts sync to your account. API keys stay in your browser.

Why we built this

Skip the costly $100+/mo fees. Do it yourself.

CreditRaccoon is a self-directed toolkit, not a service that acts on your behalf. We give you draft letters, tracking, and education. You review, edit, and send every dispute yourself.

Outcomes are not guaranteed. Accurate negative information may remain on your credit report even after you dispute it.

Paid servicesCreditRaccoon

Monthly fee$79 to $149/mo$0

Account requiredYesYes (free)

You send disputesThey act for youAlways you

Your dataOn their serversIn your browser

LettersAuto-generated & sentDrafts you approve

Built so you stay in charge

You edit every draft

Letters start as editable drafts. Nothing leaves the app until you copy, download, or send it yourself.

You talk to the bureaus

We never contact Experian, Equifax, TransUnion, or creditors for you. Your name is on every dispute.

You track the outcomes

Log what you sent and what you heard back. We record what you report. We do not promise removals.

Optional AI

Your key, your choice.

Pro includes Raccoon AI, CreditRaccoon's built-in analysis. No API key needed. Or connect Claude or ChatGPT with your own key; keys stay in your browser. Without AI, draft letters and tracking are still free.

Try it

Pick a situation. See the draft type.

A quick look at how CreditRaccoon maps common issues to draft letter types. Demo data only. You still edit and send everything yourself.

Tap a situation

Suggested draft type

Basic Dispute (FCRA §611)

Start with a basic bureau dispute draft. You review and send it yourself.

Sample draft preview · demo data

July 30, 2026

Experian

P.O. Box 4500

Allen, TX 75013

RE: Dispute Regarding Credit Report Information

Name: Alex Morgan

SSN (last 4): XXX-XX-4829

Creditor: EXAMPLE CREDITOR LLC

…

You edit every draft. You send it. Outcomes are not guaranteed.

Free guides

Learn before you send

Short, practical education on free reports, draft letters, and your rights. No outcome promises, just tools and clarity for self-directed disputes.

Browse all guides →

Get started

Ready to sift through your report?

Open the free toolkit. Import a report, review flagged items, and prepare your first draft letter in minutes.

Credit disputes made simple. Stay in charge.You stay in charge.