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 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.
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
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 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.