Letter engine
Upload a credit report and Vindex reads every tradeline, flags the inaccurate, unverifiable or re-aged items, picks the strongest statute for each one, and drafts a bureau-ready dispute letter you can print, mail or send from your own email address. No template library to dig through — the letter is written for the specific violation found on the file in front of you.
$15 one-time Analyze & Dispute · $45/mo Single Membership · $149.99/mo Unlimited
Every paragraph cites the provision that actually applies — FCRA §609 for disclosure, §611 for reinvestigation, §623 for furnisher accuracy, FDCPA §809 for validation, FCBA for billing errors. Generic 'please remove' letters get stonewalled; cited letters get worked.
When a bureau returns 'verified as accurate' with no procedure described, the engine drafts the MOV demand asking who they spoke to, what they reviewed and when — the round that moves stalled items.
Round 2 never repeats Round 1. The generator reads the prior response, changes the legal angle, and escalates toward furnisher direct disputes and a CFPB complaint when deadlines lapse.
Letters carry the consumer's return address and signature block. Nothing states the letter was machine-drafted, and nothing brands it as ours.
Select a batch of flagged items and generate every letter for all three bureaus at once, deduplicated so the same account is not disputed twice in one round.
Download print-ready PDFs with certified-mail formatting, email the letter to a client, or text them a secure link so they can review and sign before it goes out.
Drop in a PDF or photos from any bureau or monitoring service. OCR handles scanned pages.
Each finding shows the tradeline, the reason it is disputable and the statute behind it, with a confidence note.
Pick items, generate per-bureau letters, and edit any sentence before it goes out.
The reinvestigation timer starts on send. Overdue bureaus surface for MOV or CFPB escalation.
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, see the flagged violations, and generate a bureau-ready letter 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
Track clients, rounds and deadlines once you are sending more than a few letters.
The full platform overview — analysis, letters, deadlines and escalation.
Run a team, onboard clients by link, and give each one a branded portal.
When to demand validation from a collector instead of disputing with the bureau.
The full upload → analyze → dispute → escalate walkthrough.
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 letter generator 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.