Analyze & Dispute
$15one-time
One credit report analyzed and one AI-drafted FCRA/FDCPA dispute letter. Pay once — no subscription.
Do it yourself
DIY credit dispute software — file your own FCRA disputes
Vindex is software, not a credit repair agency. You stay the filer of record: it reads your three-bureau report, names the FCRA subsection each item breaks, drafts the letter with your own return address, and tracks the 30-day reinvestigation clock. You print, sign and mail every letter yourself.
Vindex pricing
Single Membership
$45per month
Unlimited disputes, rounds, MOV counters and CFPB escalations for one person's credit file.
Unlimited
$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 →
What "DIY disputing" actually means
The Fair Credit Reporting Act gives the dispute right to you, not to an agency. A self-filed dispute triggers the same FCRA §611 reinvestigation duty as one mailed by a third party, and no company can remove information that is accurate and verifiable. DIY disputing simply means you keep that right in your own hands — and use software to handle the drafting, the evidence trail and the follow-up.
Where DIY disputes usually go wrong
- Generic wording. "This is not mine" with no statute cited invites a form response. Vindex cites §611, §623, §605 or FDCPA §1692g per item.
- Missing evidence. A payoff letter, discharge schedule or police report turns an assertion into a documented claim; Vindex tells you which one an item needs.
- No follow-up. Most self-filers stop at the first "verified". Vindex generates the Method-of-Verification demand and the CFPB complaint that follows it.
- Lost timeline. Deadlines are the leverage. Every mail date is logged and the 30-day (or 45-day) clock is tracked per bureau.
DIY software versus a monthly retainer
Agencies sell labour, not access. If you are willing to print and mail your own letters, DIY credit dispute software replaces an open-ended retainer with a fixed software cost: $15 one-time Analyze & Dispute to start, $45/mo Single Membership for ongoing rounds on one file, or $149.99/mo Unlimited when you manage client files. Compare Vindex with Credit Repair Cloud and DisputeBee, or read our dispute-letter methodology.
DIY questions, answered
DIY disputing by state and city
Federal law sets the floor everywhere, and each state layers its own credit-services rules on top. These pages cover the DIY path where you live.
DIY disputing in AlabamaDIY disputing in AlaskaDIY disputing in ArizonaDIY disputing in ArkansasDIY disputing in CaliforniaDIY disputing in ColoradoDIY disputing in ConnecticutDIY disputing in DelawareDIY disputing in FloridaDIY disputing in GeorgiaAll 50-state credit law library →
DIY disputes in Houston, TXDIY disputes in Dallas, TXDIY disputes in Austin, TXDIY disputes in San Antonio, TXDIY disputes in Los Angeles, CADIY disputes in San Diego, CADIY disputes in San Francisco, CADIY disputes in Sacramento, CADIY disputes in New York, NYDIY disputes in Brooklyn, NYDIY disputes in Chicago, ILDIY disputes in Miami, FLDIY coverage by ZIP code →
DIY disputing
Doing it yourself — the questions people actually ask
Straight answers to the eight objections we hear most often from operators evaluating Vindex against CreditRepairCloud, DisputeFox, DisputeBee, and DIY workflows.
What is DIY credit dispute software?
DIY credit dispute software is a tool you operate yourself instead of hiring an agency. It reads your three-bureau report, identifies items that are inaccurate, incomplete or unverifiable, drafts the FCRA-cited dispute letter, and tracks the reinvestigation deadline. You print, sign and mail every letter, so the dispute stays legally yours.
Can I dispute my credit report myself for free?
Yes. Disputing is a free federal right under the Fair Credit Reporting Act, and no company can give you a right you already have. What people pay for is drafting, evidence handling and follow-up — which is the part Vindex automates with the $15 one-time Analyze & Dispute plan.
Is DIY disputing as effective as a credit repair company?
Bureaus process a self-filed dispute exactly the same way they process one mailed by a third party, because FCRA §611 attaches the reinvestigation duty to the consumer's dispute. Outcomes differ based on the statute cited, the evidence attached and whether you counter a 'verified' response — not on who typed the letter.
How do I start a DIY dispute today?
Pull your Equifax, Experian and TransUnion reports, upload them for a free analysis, review the flagged items, then generate and mail your first certified round. Most people complete the first DIY round the same day they upload.
Does Vindex mail the letters for me?
You review the draft for accuracy and decide whether to sign and send it yourself or use your own configured PostGrid connection. Using software or mailing the letter yourself does not determine statutory coverage, investigation duties or litigation standing.
What does DIY disputing cost?
$15 one-time Analyze & Dispute covers one report analysis and one dispute letter. Ongoing rounds on a single file are $45/mo Single Membership, and professionals running client files use $149.99/mo Unlimited.
What is the best do it yourself credit repair software?
For self-filed disputes you want software that drafts an original, statute-cited letter in your own name rather than merging your data into a stored template. Vindex reads all three bureau reports, audits each tradeline against METRO 2 reporting rules, cites the exact FCRA or FDCPA section, prints the letter with your own return address, and tracks the 30-day reinvestigation clock so you can counter a 'verified' reply instead of starting over.
Can I use credit dispute software without hiring a credit repair company?
Vindex provides self-service dispute-drafting software, not legal advice. Whether CROA and state credit-services laws apply depends on the services, representations, compensation and applicable exclusions—not solely on who signs or mails a letter. Where applicable, statutory disclosure, contract, payment and cancellation requirements apply.
Still evaluating? Run the workflow yourself or talk pricing with the team.
See how it worksBrowse servicesSee pricingStart your dispute for your own credit file
DIY disputing
- Step 1
Choose a Vindex plan for your own credit file
Compare pricing on the Vindex plans and pricing page — single-letter DIY through unlimited disputes.
- Step 2
Create your account and upload your credit report
See exactly what happens after upload in how the Vindex dispute process works.
- Step 3
Generate and send your dispute letters
Track the bureau clock with the FCRA 30-day deadline calculator and review the dispute letter templates Vindex generates.
Analyze & Dispute — $15 one-time
One dispute letter, generated and mailed by you.
Start disputing in your own credit file →Single Membership — $45/moRound-by-round letters across all three bureaus.
Start disputing in your own credit file →Unlimited — $149.99/moEvery tool, unlimited letters and client folders.
Start disputing in your own credit file →Keep going — statutes, letter guides and the deadline calculator
Practice areas
The dispute work most people start with — each page explains the statute behind it.
Common questions, answered
Straight answers on removals, timelines, and what the law actually allows.
Start a dispute
Free analysis first — you only pay when you're ready to send a letter.
Accuracy, authorship & compliance
Who writes this, and how we stand behind it.
Written by James Stone, Founder of Vindex Intelligence.Reviewed by the Vindex Compliance DeskLast reviewed August 11, 2026
How the letters are drafted
Drafting tools use templates and statutory references. Review the facts, citations, recipient and attachments before approving a letter. You may print and mail it or authorize a connected mailing provider; CFPB complaints are prepared for you to submit. Read the full methodology.
Self-service software; compliance depends on use
Vindex Intelligence provides self-service software, not legal advice. A software label alone does not determine whether CROA or state credit-services laws apply. Providers and partners must review their actual services with qualified counsel. You can dispute errors directly with bureaus for free.
No guaranteed outcomes
Disputing accurate, timely information does not create a right to deletion. Vindex does not promise a specific score increase or deletion. Results depend on your file and on how the relevant recipient responds.
Legal disclaimer. The information on this page 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.