FCRA §609 information request
Force the bureau to produce the actual records used to verify a tradeline. The single most-requested credit dispute letter on the internet — drafted in 30 seconds.
Dispute Letter Service
$15 dispute letters. Counter included.
The Vindex dispute letter service drafts FCRA-grade letters in under 60 seconds — grounded in your actual credit-report data, citing the strongest applicable statute, and ready to mail certified or send through the bureau portal. Every letter price includes the Method-of-Verification counter if the bureau pushes back. No subscriptions required.
Every letter type — auto-selected by AI
You don't have to know which statute to cite. Vindex reads your report, picks the strongest legal angle for each disputed item, and drafts the letter for you.
FCRA §611 reinvestigation demand
The standard 30-day reinvestigation request, automatically tailored to each disputed item with item-level reasoning.
FCRA §623 furnisher dispute
Goes directly to the original creditor or collector, bypassing the bureau and triggering the furnisher's own investigation duty.
FCRA §605B identity-theft block
Block fraudulent tradelines within 4 business days using an FTC IdentityTheft.gov affidavit.
FDCPA §1692g debt validation
Force a third-party collector to produce chain-of-title, account history, and validation of the debt before they can continue collection.
FCBA §1666 billing-error dispute
60-day billing-error window challenges for credit cards under the Fair Credit Billing Act.
Method-of-Verification (MOV)
Counter-letter sent after the bureau says 'verified.' Demands the name, title, and method used by the human (or AI) who allegedly verified the item.
Goodwill adjustment letter
Friendly request to original creditors to remove an isolated late payment as a courtesy — works surprisingly well on long-tenured accounts.
Pay-for-delete proposal
Settlement-conditional deletion offer to collectors holding active debts. CROA-safe wording included.
CFPB Form 1410 escalation
Pre-filled Consumer Financial Protection Bureau complaint when bureaus or furnishers ignore the FCRA timeline.
What you get for $15
- • Letter drafted in 60 seconds, grounded in your report data
- • Strongest applicable FCRA / FDCPA / FCBA / METRO 2 citation
- • Personal info, signature, and bureau address pre-filled
- • Print-ready PDF + editable text
- • Choice of certified mail OR bureau online portal
- • 30-day FCRA reinvestigation timer
- • Free Method-of-Verification counter if bureau says 'verified'
- • Stored in your dashboard for re-export anytime
Frequently asked questions
What is a dispute letter service?
A dispute letter service drafts the formal letters consumers and businesses use to challenge inaccurate items on a credit report. The best dispute letter services cite the strongest applicable federal statute (FCRA §609, §611, §623, §605B, FDCPA §1692g, FCBA §1666), include item-level reasoning, and follow up with counter-letters when the bureau auto-rejects. Vindex Intelligence does all three for $15 per letter.
How much does a dispute letter cost?
Vindex charges $15 per AI-drafted dispute letter, and that price includes the bureau counter-response (Method-of-Verification letter) if the bureau comes back with 'verified.' Most dispute letter services charge $25–$75 per letter and bill the counter separately.
Do dispute letters actually work?
Yes, when they cite the right statute and the right factual error. The FCRA legally requires Equifax, Experian, and TransUnion to reinvestigate disputed items within 30 days and to delete anything they cannot verify. AI-generated letters work better than generic templates because they ground each dispute in the specific tradeline data on the report.
Should I send dispute letters by certified mail or online?
Both work. Certified mail (USPS Form 3811 green card) creates a date-stamped legal record that starts the 30-day FCRA clock — strongly preferred for serious disputes. The bureau online portals are faster but produce no independent proof of receipt and have been documented as funneling disputes through e-OSCAR's automated rejection system. Vindex supports both channels.
How many dispute letters can I send at once?
There is no FCRA cap on the number of disputes you can file, but the bureaus can dismiss requests as 'frivolous' if they look like a copy-paste flood. Vindex's AI varies wording and grounds each letter in item-specific facts, which keeps disputes from being grouped and rejected.
Can I use this dispute letter service for my clients?
Yes. Solo credit-repair operators use the $15-per-letter plan; agencies switch to the $79 Pro (5 client files) or $120 Unlimited plan for batch generation across many clients.
Pro Objections
Real questions from credit repair pros
Straight answers to the eight objections we hear most often from operators evaluating Vindex against CreditRepairCloud, DisputeFox, DisputeBee, and DIY workflows.
I already use CreditRepairCloud / DisputeFox / DisputeBee. Why switch to Vindex?
Legacy platforms are template libraries with a CRM bolted on — you still pick the letter, you still hand-edit the merge fields, and you still pay $179+/mo. Vindex is AI-native: it reads the report, picks the strongest statute (FCRA §609 / §611 / §623, FDCPA §1692g, FCBA §1666), drafts the letter, and auto-generates the Method-of-Verification counter when the bureau rejects with e-OSCAR. See the side-by-side on services and the cost comparison on pricing.
What's stopping the bureaus from auto-rejecting my AI-drafted letters as 'frivolous'?
Frivolous-rejection risk comes from copy-paste templates with identical wording across clients. Vindex grounds every letter in the specific tradeline data on the report (account number masking, DOFD, balance, status code) and varies legal phrasing per item, so disputes don't cluster in e-OSCAR's pattern-match bucket. Walk through the full pipeline on how it works.
Will my clients see Vindex branding, or can I keep it white-label?
White-label by default on the Unlimited plan. Each client signs into a portal showing your business name, logo, and letterhead — Vindex stays invisible. Letters export as your-brand PDFs with your signature block. Plan details on the pricing page.
How do I stay CROA-compliant when I onboard new clients?
Every Vindex onboarding flow embeds CROA-required disclosures, a written contract template, the 3-business-day right-to-cancel notice, and itemized service descriptions. We also block guaranteed-result language in client-facing copy. You're still responsible for state registration and bonding — but the federal-law surface is handled. See the workflow on how it works.
I run 80+ active client files. Will the dashboard handle it?
Yes. The Unlimited plan ($120/mo flat, no per-seat or per-client uplift) is built for agencies running 50–500 files. Per-client folders, batch letter generation, bulk online send, and per-bureau campaign analytics are all included. Compare plans on pricing.
What if a bureau ignores the 30-day FCRA deadline?
Vindex starts the 30-day clock the moment you log delivery (USPS Certified or online portal confirmation), then flags overdue items in red on your dashboard. With one click you generate a Round 2 escalation — validation demand to the furnisher, MOV to the bureau, and a pre-filled CFPB Form 1410. Full breakdown on how it works.
What does this actually cost per client at scale?
At 30 active client files on the $120 Unlimited plan, your software cost-per-client is $4/mo. At 100 files, it's $1.20. There are no per-letter, per-mail, or per-bureau-call surcharges — only the optional pay-per-letter add-on for one-off consumer use. Run the numbers on pricing.
Can I import existing client data from another platform?
Yes. CSV import for client roster, plus PDF upload for any historical credit reports and bureau correspondence. New clients are typically onboarded in under five minutes — see the step-by-step on how it works.
Still evaluating? Run the workflow yourself or talk pricing with the team.
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