Methodology
This is the full process behind every letter the software produces — what the AI does, what it is not allowed to do, and where you stay in control. Published so you can check our work.
Written by James Stone · Reviewed by the Vindex Compliance Desk · Last updated August 11, 2026
Step 1
Vindex parses the full three-bureau report you upload and lists every tradeline, collection, inquiry, and public record, with the bureau that reports it, the date of first delinquency, the balance, and the status. Nothing is disputed that you have not seen on screen first.
Step 2
Items are classified by type (collection, charge-off, late payment, hard inquiry, identity theft, obsolete record). The classification decides the statute: FCRA §611 for reinvestigation, §623 for furnisher accuracy, §605 for the seven-year window, §605B for identity theft, §604 for unauthorized inquiries, FDCPA §1692g for debt validation.
Step 3
Each letter is generated from a template that has passed compliance review. The AI fills in the item-specific facts and the reasoning; it does not invent statutory language, and it does not assert facts about your file that are not in the report you uploaded.
Step 4
The full letter is shown before it leaves the app. You can edit it, print it, download it, or send it to yourself. Vindex does not sign or mail anything for you and never contacts a bureau on your behalf.
Step 5
When you mark a letter mailed, Vindex starts the FCRA reinvestigation window — 30 days, or 45 when you supply new documentation during the period — and reminds you when a response is overdue.
Step 6
If a bureau returns "verified," the next step is a Method of Verification request asking how the item was verified and by whom. If the response is still inadequate, Vindex pre-fills a CFPB complaint (Form 1410) with the dates and documents already on file.
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 methodology 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.