Claude Opus 5.5 can help you fix and improve your credit by writing a letter a person at the bureau can follow, then sending it. Connect 850ai to Opus in Claude, or use the model in the 850ai app. It pulls the report, drafts the letter, and after you confirm, prints it, mails it, and files. Anthropic released it on September 22, 2026. On its own it can only draft.
Short answer
What Opus 5.5 is
The API id is claude-opus-5-5. Context is 1 million tokens and maximum output is 128,000. Cache reads are $0.20 per million tokens. Anthropic says it matches Claude Fable 5.1 on most work and costs about 40% less to run than Opus 5, because the rates are lower and the model uses fewer tokens. The knowledge cutoff on the model page is June 2026. Thinking stays on. Sonnet 5.5 and Haiku 5.5 were not released the same day.
Use it for the letter, not for a promise
| Job | Claude Opus 5.5 | What you still do |
|---|---|---|
| Name the error | Turn your notes into one plain sentence a stranger can check | You confirm the sentence against the report. If it is wrong, the letter is wrong |
| Write the letter | A short letter: who you are, which account, what is inaccurate, what you want reviewed | Cut any law citation or dollar amount you did not verify |
| Sound like a person | Anthropic says the writing is more direct than Opus 5 | If it still reads like a form letter, shorten it again |
| Yes. After you confirm, 850ai prints, mails USPS First Class with a postage stamp, and can file | You click confirm. Nothing goes out before that |
Give it the redacted account and this instruction: “Write a one-page dispute to Experian. The Capital One account ending 4412 shows a balance of $2,140. My statement shows $0. Ask them to investigate that balance. Do not add other accounts. Do not promise a score change.” Replace those figures with yours. Do not include your Social Security number.
Opus in Claude, then the stamp
850ai connects inside Claude and ChatGPT. Choosing Opus 5.5 is a setting in your Claude account, not a switch inside the credit product. The connector can draft from the report it can see. You approve the text. The physical step is separate: USPS First Class with a postage stamp, and only after send or Deploy. Plans start at $29.99 a month. Disputing with the bureaus directly costs nothing.
- Fable 5.1 is still there, at $10 and $50 per million tokens, if a long file needs the more expensive model. For the letter itself, start with Opus 5.5.
- A clearer letter is not a stronger legal right. Accurate items can stay on the report.
- Keep a copy of what you sent. The model will not remember the envelope.
What belongs in the envelope, and the bureau mailing addresses, are in dispute online or by mail. Which products mail and which only hand you a PDF is the best AI credit repair tools comparison.