Guides
Every guide covers one problem end to end: what the law says, what to send, what the deadline is, and what to do when the answer comes back "verified." No guaranteed outcomes, no filler.
FDCPA §1692g
The letter you send a collection agency — not the bureaus — to make them prove the debt is yours before they can keep collecting.
Read the guide →FCRA §611
The full removal path for a collection account, from the first validation letter through CFPB escalation.
Read the guide →FCRA §623 / state SOL
What pay-for-delete actually is, why most collectors say no, and the risk of restarting your state's statute of limitations.
Read the guide →Choose your dispute plan
Two pricing models for AI-drafted FCRA/FDCPA dispute letters you review before sending. Pick the one that fits how you dispute.
Single Membership $45/mo · Unlimited $149.99/mo
Best if you're disputing over multiple rounds, or managing several client files with the Unlimited plan.
$15 — one-time
Best if you have one specific item to dispute and don't want a subscription.
Not sure which fits? Talk to our team — most users disputing 3+ items save money on a monthly plan.
The dispute work most people start with — each page explains the statute behind it.
Straight answers on removals, timelines, and what the law actually allows.
Free analysis first — you only pay when you're ready to send a letter.
Accuracy, authorship & compliance
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.
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.
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 these guides 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.