The platform
Vindex is guided AI credit dispute software. You upload a credit report, the analyzer reads every tradeline, inquiry and public record, and it tells you exactly which items are inaccurate, unverifiable, duplicated or re-aged — then drafts the dispute letter that cites the statute behind each challenge. You stay in control of what gets sent; the software does the reading, the drafting and the deadline math.
$15 one-time Analyze & Dispute · $45/mo Single Membership · $149.99/mo Unlimited
Upload a PDF or screenshots from any bureau or monitoring service. The analyzer normalizes the file, extracts every account, balance, status and date, and scores each item for a disputable defect instead of making you read 40 pages yourself.
Each letter cites the provision that actually applies — FCRA §609, §611, §623, FDCPA §809, Metro 2 reporting standards — because bureaus work cited letters and stonewall generic ones.
Generate the Experian, Equifax and TransUnion version of every dispute at once, deduplicated so the same account is never challenged twice in a single round.
The moment a round goes out, the deadline board starts counting. When a bureau runs out of time or answers 'verified' with no procedure, the software queues the Method of Verification counter.
ChexSystems, banking and secondary-bureau disputes run through the same engine, with the correct addresses and freeze paths for each agency.
When a bureau or furnisher ignores the law, the assistant assembles the complaint narrative with your dates, letters and delivery proof attached.
Any bureau or monitoring PDF. Encrypted at rest, deletable on request.
Every flagged item shows the defect found and the statute behind it, in plain English.
Print-ready PDFs with certified-mail formatting, or email and text delivery.
Log responses, run MOV counters, and escalate to furnishers or the CFPB when deadlines lapse.
One price list across the whole platform — the plan you pick here is the same plan shown on the pricing page.
$15one-time
One credit report analyzed and one AI-drafted FCRA/FDCPA dispute letter. Pay once — no subscription.
$45per month
Unlimited disputes, rounds, MOV counters and CFPB escalations for one person's credit file.
$149.99per month
Unlimited report uploads and client files — built for credit repair businesses running many files at once.
No contracts. Cancel any time. CROA 3-business-day cancellation right applies to every new purchase. Full pricing details →
Questions
Straight answers to the eight objections we hear most often from operators evaluating Vindex against CreditRepairCloud, DisputeFox, DisputeBee, and DIY workflows.
Still evaluating? Run the workflow yourself or talk pricing with the team.
See how it worksBrowse servicesSee pricingUpload a report and review every flagged item and its statute before you commit to a plan.
Choose your planChoose your dispute plan
Two pricing models, one outcome: AI-drafted FCRA/FDCPA dispute letters that actually work. Pick the one that fits how you dispute.
Single Membership $45/mo · Unlimited $149.99/mo
Best if you're disputing for yourself over multiple rounds, or running a Document Automation side business with recurring clients.
$15 — one-time
Best if you've got one or two specific items to dispute and don't want a subscription. Letters never expire.
Not sure which fits? Talk to our team — most users disputing 3+ items save money on a monthly plan.
Related
The letter engine in detail — citations, MOV counters and bulk rounds.
Dispute your own file without hiring a credit repair company.
Collections, charge-offs, late payments and inquiries, item by item.
Banking and secondary-bureau disputes through the same engine.
One-time analysis, monthly personal, or unlimited for professionals.
How the platform stacks up against the other dispute software on the market.
Accuracy, authorship & compliance
Every letter is generated from a reviewed template, cites the statute that actually applies to the item type, and is shown to you in full before it is sent. You sign and mail it — nothing is filed on your behalf. Read the full methodology.
Vindex Intelligence is self-service software. It is not a credit repair organization, law firm, or credit counseling agency, and it does not provide legal advice. You can dispute items yourself for free directly with the bureaus — Vindex organizes and accelerates that work.
Accurate, timely, and verifiable information cannot be removed from a credit report. No one can promise a specific score increase or deletion, and we don't. Results depend on your file and on how each furnisher responds.
Legal disclaimer. The information on AI credit dispute software is provided for general educational purposes and is not legal, financial, or tax advice. Statutory references (FCRA 15 U.S.C. §1681 et seq., FDCPA 15 U.S.C. §1692, FCBA, CROA 15 U.S.C. §1679) are summaries, not the statute text. Consult a licensed attorney for advice about your situation.
Your rights. You have the right to dispute inaccurate information in your credit file yourself, at no cost, and to obtain a free copy of your report from each nationwide bureau. You may cancel a paid plan at any time. See Terms, Refunds, Privacy and the full Disclaimer.