Standalone dispute software
Vindex Intelligence is a standalone, self-directed dispute platform. You upload the report, the AI drafts the letters, and you review, sign, and mail every one of them. Nobody here contacts a bureau, a furnisher, or a collector for you — the software is the product.
Vindex is not a credit repair organization, a law firm, or a credit counseling agency, and it does not repair credit on anyone's behalf. It licenses software you operate yourself.
Pull your report from AnnualCreditReport.com, a monitoring service, or ChexSystems and upload the file. The software reads it — nobody at Vindex pulls, holds, or negotiates anything on your behalf.
Every tradeline, collection, inquiry, and public record is listed on screen with the reason it may be challengeable under the FCRA, FDCPA, FCBA, or the METRO 2 furnishing standard. You decide what to dispute.
The tool assembles a letter from a compliance-reviewed template and cites the applicable statute for that item type. Edit any sentence before it leaves the app.
Download, print, or email the letter to yourself. You sign it and you mail it. The software never signs or sends correspondence for you.
Mark a letter mailed and the 30-day FCRA reinvestigation window starts. You get reminders when a bureau response is overdue.
Upload the bureau's reply and the software drafts a Method of Verification counter, or pre-fills a CFPB complaint with the dates and documents already stored in your file.
If you've never written a dispute, the builder walks you through it question by question — which item, what's wrong with it, what proof you have — and turns your plain-English answers into a formatted letter. No legal knowledge required to get started.
A dedicated dispute option that checks reported fields against the METRO 2 furnishing format — DOFD, account status codes, balance/payment-history conflicts — and drafts a compliance-based challenge instead of a generic "not mine" letter.
Upload a ChexSystems or Early Warning Services consumer disclosure and the engine scores each derogatory item, maps the controlling federal statutes, and drafts a mail-ready dispute so you can reopen banking access.
See the ChexSystems engineDownloadable guides covering the secondary and specialty bureaus most people never hear about — LexisNexis, SageStream, Innovis, ARS, and the banking reporters — with the addresses and request procedures for each.
The Unlimited plan gives professional operators a multi-client workspace: separate folders per client file, bulk letter generation, and a per-client timeline of every letter, response, and CFPB filing. Your firm runs the disputes; Vindex is the software layer underneath.
Software for credit repair companiesIf something in the software doesn't make sense — or you're unsure how to structure a dispute — our support team answers software and workflow questions and shows you how to use each feature. We help you operate the tool; we don't make legal decisions or run disputes for you.
Contact supportChoose 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.
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.