Credit repair, explained.

Credit repair is the process of identifying inaccurate, incomplete, or unverifiable items on your Experian, Equifax, and TransUnion credit reports and disputing them under the Fair Credit Reporting Act (FCRA). Successful disputes result in deletions or corrections that typically raise your credit score.

Vindex Intelligence's AI parses your three-bureau credit report, cross-references every tradeline against the FCRA, FDCPA, FCBA, and METRO 2 standards, and drafts bureau-ready dispute letters citing the exact statute that supports each challenge.

Credit bureaus have 30 days to respond to a dispute under FCRA §611. Most Vindex members see their first deletions within 30–45 days of mailing the first round of letters. Complex files may require 3–6 months of multi-round disputing.

Yes. You have the right to dispute items directly with Experian, Equifax, TransUnion, and the original creditor at no cost. Vindex exists to make the process faster, more thorough, and grounded in current consumer law.

Inaccurate, incomplete, unverifiable, or outdated information — including collections, charge-offs, late payments, hard inquiries, repossessions, foreclosures, bankruptcies past the 10-year window, and identity-theft tradelines.

Not automatically. Paying a collection generally updates the status to 'paid collection' but does not delete it. A pay-for-delete agreement, debt validation challenge, or FCRA reinvestigation letter is usually required for actual removal.

A 609 letter is a request under FCRA §609 demanding that the credit bureau provide the documentation it relied on to verify a disputed item. If the bureau cannot produce the records, the item must be deleted.

Under FDCPA §1692g, you can demand that a third-party debt collector validate a debt within 30 days of first contact. If they cannot validate, they must cease collection activity and remove the item.

A goodwill letter is a polite request to an original creditor asking them to remove an isolated late payment as a courtesy. It works best on accounts with an otherwise strong payment history.

Most negative items stay for 7 years from the date of first delinquency under FCRA §605. Chapter 7 bankruptcies remain for 10 years. Inquiries fall off after 2 years.

Disputing items does not by itself lower your score. In fact, successful deletions almost always increase your score. The dispute process is a legally protected consumer right.

No. Vindex Intelligence is a credit-restoration technology platform that provides AI-powered analysis and document-preparation services. We do not provide legal advice. For legal counsel, please consult a licensed attorney.

No legitimate credit-repair company can guarantee removals. The Credit Repair Organizations Act (CROA) prohibits guaranteed-result claims. We can guarantee that every letter is grounded in the strongest applicable law.

Yes. Reports are encrypted in transit and at rest, stored in a SOC-2-aligned environment, never sold or shared, and you can delete your data permanently at any time.