Process
Credit Dispute Software isn't magic — it's the disciplined enforcement of consumer protection law. Here's exactly how Vindex Intelligence turns your three-bureau credit report into a campaign of bureau-ready dispute letters.
Pull your free three-bureau report from AnnualCreditReport.com or your favorite credit-monitoring service and upload the PDF. Vindex accepts Experian, Equifax, and TransUnion reports in any standard format.
Our AI parses every tradeline, collection, inquiry, and public record, then cross-references each one against the Fair Credit Reporting Act, FDCPA, FCBA, and METRO 2 reporting standards to flag disputable items.
Each dispute is drafted with the strongest applicable legal basis — §609 information requests, §611 reinvestigation demands, §623 furnisher disputes, §1692g debt-validation letters, or §605B identity-theft blocks.
Download your letters, sign them with your stored e-signature, and mail them certified with return receipt to start the 30-day FCRA reinvestigation clock. Online portal submissions are also supported.
Vindex tracks every letter past the 30-day FCRA reinvestigation window, automatically escalates non-responses to CFPB and state attorney general complaints, and drafts your next round of disputes.
Compare the bureau's response with the fields you disputed, document what changed, and prepare a supported next step when information remains inaccurate or unverifiable. Vindex records each round without promising a deletion or score increase.
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.
Built for Operators
4.9 / 5 average across 247 verified reviews from Document Automation pros, business owners, and consumers.
I was paying for three different tools and a VA to keep client folders straight. Vindex's per-client folders + AI counter-letters replaced all of it. I run my whole shop on the Unlimited plan.
Marcus T.
Document Automation pro · Atlanta, GA
Two collections deleted on the first round. When the bureau came back with their AI auto-rejection, the counter-letter feature made them eat the dispute on the second pass. Worth way more than $15.
Priya K.
Self-disputer · Austin, TX
Closed on my first home four months after starting. The CFPB assistant alone saved me a lawyer fee — it walked me through filing a complaint that got a charge-off removed in 11 days.
Devon R.
Small business owner · Chicago, IL
Switched from a $399/mo CRM that was bloated and confusing. Onboarded 23 clients in my first 60 days on the Unlimited plan. The white-label letterhead alone is worth the price.
Alicia M.
Credit cleaning founder · Miami, FL
I send buyers to Vindex when their score won't qualify. Three of my last four clients closed within 90 days of starting disputes. The MOV counter-letters are the secret weapon.
Jordan W.
Real estate agent · Phoenix, AZ
I tried writing dispute letters myself for a year — got nowhere. Vindex generated 9 letters in under a minute, with the actual FCRA citations. Six items deleted in 32 days.
Renée S.
Self-disputer · Newark, NJ
Related reading
Collections, charge-offs, 609 letters, debt validation, and identity-theft restoration.
From credit-report upload to mailed, FCRA-cited dispute in minutes.
Single Membership and Unlimited plans for credit-dispute professionals managing multiple clients.
Contracts, refunds, CROA's 3-day right to cancel, and switching between plans.
CROA-compliant refund window and how to request one from your account.
Try one AI-drafted letter — counter-response included if the bureau auto-rejects it.
What real users say about Vindex, plus our published no-paid-reviews moderation policy.
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 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.