Self-help dispute tools · Manual upload · Beta

AI-assisted dispute tools. Your credit, your control.

CreditFox helps you upload credit reports, review possible inaccuracies, generate AI-assisted self-help dispute letter drafts, approve each letter, and track user-authorized mailings — all from one dashboard.

Start Monitoring→See How It Works

CreditFox is a self-help software platform. CreditFox is not a credit repair company, does not provide legal advice, and does not guarantee results.

Manual upload · report_2026.pdfSCAN 87%

Account #4421

$2,180

Needs review

Inquiry · Mar 12

Capital One

Possible mismatch

Tradeline · Account #9912

Discover

Verify date

Personal info

Address line 2

Draft ready

Late payment · Aug 22

Reported balance

User approval required

DISPUTE_DRAFT_03.txtdrafting

Dear Bureau,

I am writing to dispute the following

item on my report: Account #4421.

The reported balance appears inaccurate

Fox AI

monitoring…

3 changes detected

Needs your review

2 drafts ready

Awaiting your approval

1Get Report

2Upload

3Scan

4Draft

5Approve

6Mail

7Track

01 · Scan

Spot the weird stuff.

CreditFox organizes your report and helps surface items worth reviewing — duplicates, mismatched dates, and possible inaccuracies.

Account #4421OK

Inquiry · Mar 12Review

Tradeline #9912OK

Personal infoReview

Late · Aug 22OK

02 · Draft

Draft without starting from scratch.

Generate a clear, factual dispute letter draft based on the information you provide. AI-assisted, never auto-sent.

01Dear Bureau,

02I am writing to dispute the following

03item on my credit report.

04Account #4421 — reported balance

05appears inaccurate per my records.

06Please investigate and respond.

03 · Approve

Approve every word.

You review, certify, and authorize every letter. Nothing leaves the platform without your explicit approval.

APPROVAL_GATE

Confirm to authorize mailing

✓I have reviewed this letter.✓Information is accurate to my knowledge.✓I authorize this letter to be mailed.

04 · Mail

Mail when you are ready.

Pay mailing fees only when you authorize a letter. No subscriptions buried in fine print, no surprise sends.

DELIVERY_PATH

Picked up

In transit

Delivered

05 · Track

Track every step.

Monitor mailed letters, delivery confirmations, bureau responses, and recommended next steps.

Dispute timeline

Live

Letter approved · #DSP-014

Today

Mailed via USPS Certified

Today

Awaiting bureau response

Est. 30 days

CREDIT MONITORING

Your dispute workflow, organized.

CreditFox is a self-help dispute software platform. Upload your credit reports, review possible inaccuracies, generate AI-assisted dispute letter drafts, and track every letter you authorize — all user-controlled, nothing automatic.

Monitoring integration coming soon for founder beta users. Manual upload is available now.

Credit score tracking

Stay aware of score changes over time as you monitor your report activity.

Report change alerts

Get notified when new items, inquiries, or balance changes appear on your report.

Report refresh pulls

Pull updated report data to check for new possible inaccuracies to review.

Possible items to review

CreditFox surfaces items worth a closer look — you decide whether to dispute.

Follow-up reminders

Receive reminders to check bureau responses within the 30-day window.

User-controlled workflow

Nothing happens automatically. Every action — review, draft, approve, mail — is yours.

DASHBOARD · PREVIEW

One calm dashboard. Total clarity.

Track drafts, approvals, mailed letters, delivery, and bureau responses — without juggling spreadsheets, sticky notes, and email threads.

DASHBOARD

Good morning, Alex

2 user action needed3 drafts ready

Items reviewed

Letters mailed

Awaiting response

Ongoing monitoring

CreditFox is manual upload first. For ongoing 3-bureau monitoring, use our recommended partner, SmartCredit.

Letter tracker

Account #4421 — ExperianDelivered

Inquiry mismatch — TransUnionAwaiting response

Tradeline #9912 — EquifaxDraft ready

Personal info — All bureausUser action needed

APPROVAL GATE

No autopilot.
You are always in control.

CreditFox can draft and organize, but nothing is mailed unless you review, certify, and approve it. Every letter. Every time.

· You authorize each mailing
· You can edit any draft before approving
· You can cancel before mailing

DSP-014 · DRAFT_READY

Authorize letter mailing

To: Experian · Re: Account #4421

Mailing fees apply only when you authorize a letter.

COMPLIANCE

Built to keep you in control.

Self-help software with clear boundaries. You stay in the driver's seat at every step.

You choose the item

Pick which line items to review and dispute. You're the decision-maker.

You approve the letter

Every draft requires your review and certification before anything moves.

You authorize mailing

Letters only mail after you check the boxes and tap authorize.

No automatic disputes

Nothing gets sent automatically. No background sweeps. No surprises.

No guarantees

We don't promise score changes or removals. Results depend on facts.

No legal advice

CreditFox is self-help software. We're not a law firm or credit repair company.

Recommended Monitoring Partner

The complete credit
improvement stack.

SmartCredit gives you live 3-bureau monitoring so you catch new problems as they appear. CreditFox turns those findings into approved dispute letters. Together, it's a no-brainer for $1 to get started.

TransUnionExperianEquifax

🛡️

$1 Million Fraud Insurance

Fully covered if your identity is stolen

🔔

Credit Monitoring & Fraud Alerts

Real-time alerts across all 3 bureaus

📊

3-Bureau Full Reports & Scores

TransUnion, Experian & Equifax

🗺️

Personalized 120-Day Game Plan

AI-guided path to your credit goals

🔒

Identity Theft Protection

Dark web monitoring & SSN alerts

📈

Score Simulator & Goal Tracking

See what actions improve your score

Trusted by over 4 million people

Learn more

SmartCredit is an independent third-party service. Trial terms and pricing set by SmartCredit. CreditFox does not guarantee monitoring approval, score changes, or dispute outcomes.

How they work together

Get your 3-bureau report via SmartCredit

Sign up for SmartCredit's $1 trial to access all 3 bureau reports and scores, or download for free at AnnualCreditReport.com.

Upload into CreditFox

Upload your report or relevant details manually into CreditFox to review possible inaccuracies and surface items worth disputing.

Draft, approve, and mail

Generate AI-assisted dispute letter drafts, review every word, then authorize mailing — nothing sends automatically.

SmartCredit subscription and CreditFox subscription are separate. Mailing fees billed separately through CreditFox only when you authorize a letter.

PRICING

Start for $1.

Try CreditFox for 7 days for $1. Cancel anytime before the trial ends and you're never billed the monthly price. Mailing fees are only charged when you authorize a letter.

BASIC

CreditFox Basic

Manual upload and AI-assisted self-help dispute tools.

$1for 7 days

then $19/month · cancel anytime

1 upload/mo · 5 AI drafts/mo

Manual credit report upload
AI-assisted dispute letter drafts
Self-help dispute dashboard
Document storage
Letter history
User-approved mailing workflow
Mailing fees separate

$1 today, then $19/mo after 7 days · cancel anytime

Pay only when you authorize a letter.

Mailing fees are charged separately because every letter has real postage, processing, and tracking costs. You are never charged for mailing unless you approve and authorize the letter.

$3.99

Standard Mailed Letter

First-class USPS mail

$9.49

Certified Mail

USPS tracking number included

$11.49

Certified Mail + Electronic Return Receipt

Proof of delivery confirmation

Subscription fees cover software tools, AI-assisted drafting, document organization, and dispute tracking. Mailing fees are charged separately only when a user approves and authorizes a letter. CreditFox does not guarantee results.

$1 today unlocks 7 full days · Cancel anytime in your billing portal · No credit repair claims, no guarantees

FAQ

Feature	Basic	Pro
Manual report upload
AI-assisted letter drafts	5/mo	30/mo
Dispute dashboard
Document storage
Response tracking
Follow-up reminders
Advanced timeline
Priority support
Mailing options

AI-assisted dispute tools. Your credit, your control.

Spot the weird stuff.

Draft without starting from scratch.

Approve every word.

Mail when you are ready.

Track every step.

Your dispute workflow, organized.

One calm dashboard. Total clarity.

No autopilot. You are always in control.

Built to keep you in control.

The complete creditimprovement stack.

Start for $1.

Pay only when you authorize a letter.

Questions, answered.

What am I paying for?

Are the dispute tools free?

Is CreditFox a credit repair company?

Does CreditFox guarantee removals or score increases?

Does CreditFox send disputes automatically?

What is the difference between Basic and Pro?

Are mailing fees included in the subscription?

Does CreditFox give legal advice?

Can I edit a draft before approving it?

Do dispute letters need to be signed?

Does CreditFox include credit monitoring?

Who is the monitoring partner?

Does CreditFox automatically import SmartCredit data?

Do I need SmartCredit to use CreditFox?

No autopilot.
You are always in control.

The complete credit
improvement stack.