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, 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.
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
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 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.