Pricing
Every plan is a software license you run yourself. Start with a single $15 Analyze & Dispute purchase, run one file with a $45/mo Single Membership, or scale to unlimited client files for $149.99/mo. No long contracts. CROA-protected 3-day cancellation right.
★★★★★ 4.9/5 from 247 verified reviews
Choose your dispute plan
Two pricing models, one outcome: AI-drafted FCRA/FDCPA dispute letters that actually work. Pick the one that fits how you dispute.
Single Membership $45/mo · Unlimited $149.99/mo
Best if you're disputing for yourself over multiple rounds, or running a Document Automation side business with recurring clients.
$15 — one-time
Best if you've got one or two specific items to dispute and don't want a subscription. Letters never expire.
Not sure which fits? Talk to our team — most users disputing 3+ items save money on a monthly plan.
Pricing
Choose the plan that fits you. Pay by secure invoice — no card details entered on the site. Cancel monthly plans anytime.
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.
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.
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.
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
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
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.
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.
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.
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.
Legacy platforms stop at letter templates. Vindex reads bureau responses with OCR, escalates to the CFPB, disputes ChexSystems and secondary bureaus, and onboards clients through secure upload links — unlimited client files for one flat $149.99/mo.
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.
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.