Vindex Intelligence
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Pricing

AI credit dispute software, priced honestly.

Start with a single $15 Analyze & Dispute purchase, run one file with a $45/mo Single Membership, or scale to unlimited uploads for $149.99/mo. No long contracts. CROA-protected 3-day cancellation right.

★★★★★ 4.9/5 from 247 verified reviews

Choose your dispute plan

Pay monthly or pay per letter.

Two pricing models, one outcome: AI-drafted FCRA/FDCPA dispute letters that actually work. Pick the one that fits how you dispute.

Most chosen

Flat-fee monthly

Single Membership $45 · Unlimited $149.99

Best if you're disputing for yourself over multiple rounds, or running a Document Automation side business with recurring clients.

  • Unlimited dispute & counter-letters
  • Per-client folders & exports
  • CFPB complaint assistant included
  • 1 AI-Driven Document Automation report / month
  • Cancel anytime — no contract
Start with monthly

Per-letter

$15 / letter — one-time

Best if you've got one or two specific items to dispute and don't want a subscription. Letters never expire.

  • 1 AI dispute letter (FCRA / FDCPA)
  • 1 AI counter-letter if bureau replies
  • All 3 bureaus supported
  • PDF + certified mail tracking
  • No subscription, no commitment
Buy a single letter

Not sure which fits? Talk to our team — most users disputing 3+ items save money on a monthly plan.

Pricing

One report, one membership, or unlimited.

Choose the plan that fits you. Pay by secure invoice — no card details entered on the site. Cancel monthly plans anytime.

Analyze & Dispute

One-time analysis of a single credit report plus an AI-generated dispute letter (FCRA / FDCPA cited). All 3 bureaus, PDF download, and certified mail tracking. Pay once — no subscription.

$15
one-time
  • Analyze one credit report
  • 1 AI dispute letter (FCRA / FDCPA cited)
  • All 3 bureaus supported
  • PDF download + certified mail tracking
  • One-time — no subscription
Most Popular

Single Membership

Unlimited disputes for one person's credit report. Every tool included — report analysis, unlimited AI dispute and counter-letters, the AI chatbot, and the CFPB assistant. Everything except admin tools.

$45
per month
  • Unlimited disputes for one person's report
  • Unlimited AI dispute & counter-letters
  • AI chatbot assistant
  • CFPB complaint assistant
  • Every feature except admin tools

Unlimited

Unlimited report uploads and unlimited AI dispute letters across as many reports as you need. Includes the AI chatbot, CFPB assistant, per-client folders, and bulk export.

$149.99
per month
  • Unlimited report uploads
  • Unlimited AI dispute letters
  • AI chatbot assistant
  • CFPB complaint assistant
  • Per-client folders + bulk export

Can't afford this right now? That's okay. This was built for people who were left to figure it out alone.

Vindex Intelligence is guided AI credit dispute software, not a law firm and not a credit repair organization (CRO) under the Credit Repair Organizations Act. You may dispute items directly with Experian, Equifax, TransUnion, and furnishers at no cost; Vindex helps you organize the evidence, draft FCRA-cited letters, track deadlines, and respond when bureaus verify an item. CROA-protected 3-day cancellation right applies.

Built for Operators

Quiet, measurable, undeniable.

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.
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 $19.99.
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.
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.
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.
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.

Pricing questions

Is there a contract or cancellation fee?

No contracts and no cancellation fees. Monthly plans cancel any time from your dashboard. Per the Credit Repair Organizations Act (CROA), you also have a 3-business-day right to cancel any new purchase.

What's included in the $15 Analyze & Dispute price?

A one-time analysis of a single credit report plus one AI-drafted FCRA/FDCPA dispute letter. PDF download and certified-mail tracking included. Pay once — no subscription.

Can I switch between plans?

Yes — move between the $45/mo Single Membership (unlimited disputes for one person's report) and the $149.99/mo Unlimited plan (unlimited report uploads) at any time. The one-time Analyze & Dispute purchase never expires.

Do you offer refunds?

Per CROA, you have a 3-business-day right to cancel any subscription for a full refund. After that window, monthly plans are non-refundable but cancellable at any time.

Related reading

Before you choose a plan

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