Remove Negative Items
Remove negative items from your credit report.
AI-drafted FCRA dispute letters that legally remove collections, charge-offs, late payments, and hard inquiries from your Experian, Equifax, and TransUnion reports — from $15.
Collections
Force the collector to validate the debt under FDCPA §1692g, or force the bureau to verify it under FCRA §611. If they can't, it must come off.
Charge-offs
Challenge the date of first delinquency, the balance, or the furnisher's reporting accuracy under FCRA §623.
Late payments
Goodwill letters to original creditors plus FCRA §623 furnisher disputes for any inaccurate date, amount, or status.
Hard inquiries
Inquiries you didn't authorize are a FCRA §604 violation. Vindex drafts the dispute and tracks the 30-day removal window.
Identity theft
FCRA §605B blocks fraudulent tradelines within 4 business days when paired with an FTC IdentityTheft.gov affidavit.
Old / outdated items
FCRA §605 caps most negative items at 7 years (10 for Chapter 7 bankruptcy). Anything past the window must be removed on request.
Frequently asked
How do I remove negative items from my credit report?
Under FCRA §611 you have the right to dispute any inaccurate, incomplete, or unverifiable item with Experian, Equifax, and TransUnion. The bureau has 30 days (45 with new documentation) to verify the item or delete it. Vindex AI drafts the dispute letter, cites the right statute, and tracks the deadline for you.
What types of negative items can be removed?
Inaccurate or unverifiable collections, charge-offs, late payments, hard inquiries, repossessions, foreclosures, identity-theft tradelines, and bankruptcies past the 10-year FCRA window. Items that are 100% accurate and within the 7-year reporting window generally cannot be removed.
How long does it take to remove a negative item?
FCRA §611 gives the credit bureaus 30 days to investigate. Many users see deletions within 30–45 days of mailing the first round. Stubborn items typically take 2–3 rounds of letters and counter-letters.
Will removing negative items raise my credit score?
In most cases yes — collections, late payments, and charge-offs are the largest negative score factors. The exact score lift depends on the item, your credit utilization, and your overall file.
Is this credit repair?
Vindex Intelligence is software, not a credit repair organization (CRO) under CROA. You operate the tool yourself to exercise your own FCRA rights — the same rights you have to dispute items directly with the bureaus for free. Vindex makes the process faster and more thorough.
What does it cost?
$15 for Analyze & Dispute, $45/mo for a Single Membership, or $149.99/mo for Unlimited. No contracts, cancel anytime, and CROA-protected cancellation rights apply.