Access & permissions
25 capabilities mapped across every tier — including who can send client signup links, who sees which client folders, and which internal analytics surfaces are permanently owner-only. Pricing is $15 one-time Analyze & Dispute, $45/mo Single Membership, or $149.99/mo Unlimited.
Plan
Create an account, read guides, use public tools.
Plan
$15 one-time
One report analyzed, one AI-drafted dispute letter.
Plan
$45 per month
Unlimited rounds on one person's credit file.
Plan
$149.99 per month
Multi-client agency workspace with client onboarding links.
Internal
Vindex Intelligence staff account. Not for sale.
What the AI engine will read, flag and draft for you.
| Capability | Free account | Analyze & Dispute | Single Membership | Unlimited | Owner (internal) |
|---|---|---|---|---|---|
| Credit report uploadExperian, Equifax and TransUnion PDFs, plus scanned/photo uploads via OCR. | Not included | 1 report | Unlimited (own file) | Unlimited (all client files) | Included |
| Live AI analysis with evidence panelPer-item confidence score and the verbatim report text it relied on. | Not included | 1 analysis | Included | Included | Included |
| AI-drafted FCRA / FDCPA dispute lettersOriginal language written per item — not a stored template merged with a name. | Not included | 1 letter | Unlimited | Unlimited | Included |
| METRO 2 field auditingDOFD/re-aging, status vs payment-rating conflicts, duplicate and balance integrity. | Not included | Included | Included | Included | Included |
| Round escalation (MOV, §623, regulator)Validation, Method-of-Verification, furnisher-direct and regulator rounds in sequence. | Not included | Not included | Included | Included | Included |
| ChexSystems / EWS / LexisNexis disputesSecondary consumer-file and deposit-bureau disputing with the same engine. | Not included | Not included | Included | Included | Included |
| CFPB complaint assistanceForm 1410 pre-fill from the case file, plus state AG escalation drafts. | Not included | Not included | Included | Included | Included |
The multi-client layer. Unlimited accounts onboard their own clients and only ever see the clients they onboarded.
| Capability | Free account | Analyze & Dispute | Single Membership | Unlimited | Owner (internal) |
|---|---|---|---|---|---|
| Send a client signup (intake) linkA tokenized link your client opens to enter their details and upload their reports. | Not included | Not included | Own file only | Included | Included |
| Bulk intake linksGenerate up to 50 signup links at once for a whole book of business. | Not included | Not included | Not included | Included | Included |
| Revoke a link or a whole batchDisable one link, a selected set, or every pending link instantly. | Not included | Not included | Own links | Own links | Included |
| Segregated per-client foldersReports, letters, bureau replies, mail proof and CFPB filings kept per client. | Not included | Not included | 1 file | Unlimited clients | Included |
| See another account's clientsEnforced at the database level — every client row is scoped to the account that created it. | Not included | Not included | Not included | Not included | Support only |
| Intake link audit logCreated, sent, copied, opened, submitted, revoked and expired — timestamped. | Not included | Not included | Own links | Own links | Included |
Everything that proves what was sent, when, and what the bureau did about it.
| Capability | Free account | Analyze & Dispute | Single Membership | Unlimited | Owner (internal) |
|---|---|---|---|---|---|
| Print-ready mail kit + envelope addressingPDF export with enclosure checklist for certified mailing. | Not included | Included | Included | Included | Included |
| Send a letter to a client by email or textShare the finished letter straight to the client for signature. | Not included | Included | Included | Included | Included |
| 30-day FCRA reinvestigation timersCountdown per item, per bureau, from the certified-mail delivery date. | Public calculator | Included | Included | Included | Included |
| Certified-mail logging and proof storageTracking numbers and proof of mailing stored against the letter record. | Not included | Included | Included | Included | Included |
| Exportable letter timeline / audit trailGenerated, edited, sent, delivered, responded, escalated — with timestamps. | Not included | Included | Included | Included | Included |
| CROA disclosures & PII purge controlsRight-to-cancel capture, consent log, and documented data deletion. | Not included | Included | Included | Included | Included |
These surfaces belong to the Vindex Intelligence owner account only. No paid plan — including Unlimited — can reach them, and the database refuses the query even if the URL is typed directly.
| Capability | Free account | Analyze & Dispute | Single Membership | Unlimited | Owner (internal) |
|---|---|---|---|---|---|
| SEO Command CenterTraffic, ranking, indexing and daily growth tasks for vindexintelligence.org. | Not included | Not included | Not included | Not included | Included |
| Search Console monitoring & indexing submissionsCoverage alerts, sitemap pings and URL submission logs. | Not included | Not included | Not included | Not included | Included |
| Site-wide analytics & web vitalsVisitor funnels, banner analytics and performance telemetry. | Not included | Not included | Not included | Not included | Included |
| Revenue, billing audit & refundsInvoices, payment reconciliation and refund decisions. | Not included | Not included | Not included | Not included | Included |
| Plan catalog & role managementPlan definitions, admin roles and permission grants. | Not included | Not included | Not included | Not included | Included |
| Cross-account client foldersSupport access used only for troubleshooting, with every view written to the audit log. | Not included | Not included | Not included | Not included | Included |
Related reading
Full pricing for the one-time analysis, single membership and unlimited agency plan.
Bulk onboarding, white-label intake and segregated client folders for agencies.
Self-serve AI disputing for people fixing their own credit file.
Feature-by-feature comparison against Credit Repair Cloud and DisputeBee.
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.