AI credit dispute software
for people fixing credit.

No. Vindex Intelligence is guided AI credit dispute software. We provide the technology so you can safely manage your own FCRA disputes: analyze your report, draft bureau-ready letters, track deadlines, counter verified responses, and escalate to CFPB when needed. We are not a law firm, not a credit repair organization, and we do not provide legal advice.

Most apps stop after a generic first-round letter. Vindex is built as a guided dispute workspace: it reads the report, drafts FCRA/FDCPA/FCBA/METRO 2 letters, tracks certified-mail status, watches the 30-day bureau response window, prepares Method-of-Verification counter letters, and helps escalate unresolved issues to the CFPB.

Credit bureaus now use AI to auto-reject disputes with stock responses like 'verified' or 'frivolous.' When you receive that letter, snap a photo. Our AI reads it and drafts a Method-of-Verification (MOV) request that demands documentation bureaus typically can't produce — forcing a real review or a deletion.

Yes. Vindex supports consumers managing their own disputes and credit-dispute professionals organizing client files. The Unlimited plan supports unlimited report uploads and folders, AI dispute letters, counter-letters, CFPB assistant workflows, and exportable histories for each file.

Bureaus have 30 days under the FCRA to respond. Most users see their first deletions within 30–45 days of mailing the first round. Results vary based on the file and items being disputed — no software can guarantee deletions.

Vindex is focused on dispute analysis, letter generation, tracking, and response workflows. If a plan includes monitoring or report refreshes, that will be shown in your dashboard and plan details; otherwise you can still upload updated reports to verify deletions and changes.

All reports and uploads are encrypted in transit and at rest, stored in a SOC-2-aligned environment, and never sold or shared. You can permanently delete any client folder at any time.

No. You and your clients always have the right to dispute items directly with the credit bureaus and original creditors at no cost. Vindex Intelligence exists to make that process faster, more thorough, and grounded in current consumer law.

Credit bureaus are required by the FCRA to investigate disputes within 30 days of receipt (extended to 45 days if you submit additional information mid-investigation). Add 5–10 business days for certified mail transit and bureau intake, so most full cycles take 35–55 days from the moment you mail your letter to receiving an updated report.

Most users see the first updates 30–45 days after the bureaus receive their initial round of letters. Complex disputes, re-investigations, and method-of-verification follow-ups can extend this to 60–120 days. Vindex tracks each letter's status so you always know which round is in progress and what comes next.

A bureau investigation can result in one of three outcomes: (1) the item is deleted, (2) the item is updated (balance, status, dates, or remarks corrected), or (3) the item is verified as reported. Vindex categorizes each response automatically and recommends the next strategic step — escalation, method-of-verification, or moving to the furnisher directly.

If an item comes back "verified," that's rarely the end of the road. Vindex generates targeted follow-ups — method-of-verification requests, furnisher direct disputes under FCRA §623, and CFPB complaints when warranted. Many items deleted in round 2 or 3 were originally returned as verified in round 1.

No reputable provider can legally guarantee specific deletions or score changes — outcomes depend on bureau and furnisher behavior, your unique file, and federal law. What we guarantee is the quality of the letters, accurate tracking of every response, and a strategy that adapts to each bureau's reply.

We offer a 7-day refund window on new subscriptions if you have not yet generated or mailed dispute letters. Once letters are generated or mail credits are consumed, those portions are non-refundable because the work and postage costs have already been incurred. Cancel anytime from your dashboard to stop future billing.

Because dispute outcomes are determined by the bureaus and furnishers — not by Vindex — we don't offer outcome-based refunds. We do offer a satisfaction-based refund within the first 7 days if you haven't used the letter generation or mail features. After that, you can cancel your subscription at any time without penalty.

Letters are printed and mailed via USPS from a secure print-and-mail facility. By default, we use USPS Certified Mail with Return Receipt (Electronic), which provides a tracking number, proof of delivery, and the bureau's signature on file — the gold standard for FCRA compliance and dispute evidence.

Yes. Every mailed letter gets a USPS tracking number that appears in your dashboard. You can see when it was accepted by USPS, in transit, out for delivery, and delivered (with the date and ZIP of the delivery scan). Certified Mail delivery confirmations are stored as proofs and timestamped for your records.

If USPS marks a letter as undeliverable, returned to sender, or stalled in transit beyond 10 business days, Vindex flags it in your dashboard and offers a free re-mail to the correct bureau address. Certified Mail receipts and tracking history are preserved so your dispute timeline and FCRA clock are documented end-to-end.

Vindex pricing is simple: $15 for Analyze & Dispute, $45/mo for a Single Membership, and $149.99/mo for Unlimited. Monthly plans can be cancelled anytime, and CROA-protected cancellation rights apply.

Yes. You can move between the one-time Analyze & Dispute purchase, the $45/mo Single Membership, and the $149.99/mo Unlimited plan as your needs change. The page and dashboard show the current plan terms before you request an invoice.

Card payments through our Stripe processor are currently in final approval. In the meantime you can pay via Zelle or Cash App and your account is credited the same business day. The checkout page shows live availability and the exact "How to pay" steps for each method, so you always see what's active before you commit.

Once you send the payment and submit the confirmation reference on the checkout page, our team verifies it and activates your plan — typically within a few hours during business days, and always within one business day. You'll get an email from aisoftware@vindexintelligence.org the moment your account is upgraded.