Remove Negative Items
Upload your report and see which collections, charge-offs, late payments, or inquiries may be disputable under the FCRA. Your first scan and item count are free; unlock your first AI-drafted letter with $15 one-time Analyze & Dispute.
A timely written FDCPA §1692g dispute generally pauses collection until verification is mailed by a covered collector. FCRA §611 separately requires correction or deletion of inaccurate, incomplete or unverifiable reporting; missing optional records do not automatically require deletion.
Challenge the date of first delinquency, the balance, or the furnisher's reporting accuracy under FCRA §623.
Goodwill letters to original creditors plus FCRA §623 furnisher disputes for any inaccurate date, amount, or status.
Review whether an inquiry had a permissible purpose under FCRA §604; express authorization is not the only possible basis. Vindex drafts supported disputes; no removal period or outcome is guaranteed.
For qualifying identity-theft information, a consumer reporting agency generally must block reporting within four business days after receiving appropriate identity proof, an identity-theft report, identification of the affected information, and your statement that it does not relate to a transaction by you, subject to statutory exceptions and permitted refusal or rescission. Uploading a report to Vindex does not start that period.
FCRA §605 caps most negative items at 7 years (10 for Chapter 7 bankruptcy). Anything past the window must be removed on request.
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.
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.
FCRA §611 generally gives a credit bureau 30 days to investigate, with limited circumstances allowing longer. A bureau may delete, update, or verify the item after reviewing the dispute. No outcome or deletion timeline is guaranteed.
Removing or correcting inaccurate negative information may affect a credit score, but the result depends on the scoring model and the rest of the credit file. Vindex does not promise a score increase or deletion.
Vindex provides self-service dispute-drafting software, not legal advice. Whether CROA and state credit-services laws apply depends on the services, representations, compensation and applicable exclusions—not solely on who signs or mails a letter. Where applicable, statutory disclosure, contract, payment and cancellation requirements apply.
$15 one-time Analyze & Dispute, $45/mo Single Membership, or $149.99/mo Unlimited. The first report scan and disputable-item count are free; payment unlocks letters. No contracts, and applicable cancellation rights are shown before purchase.
Choose your dispute plan
Two pricing models for AI-drafted FCRA/FDCPA dispute letters you review before sending. Pick the one that fits how you dispute.
Single Membership $45/mo · Unlimited $149.99/mo
Best if you're disputing over multiple rounds, or managing several client files with the Unlimited plan.
$15 — one-time
Best if you have one specific item to dispute and don't want a subscription.
Not sure which fits? Talk to our team — most users disputing 3+ items save money on a monthly plan.
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
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.
The dispute work most people start with — each page explains the statute behind it.
Straight answers on removals, timelines, and what the law actually allows.
Free analysis first — you only pay when you're ready to send a letter.
Accuracy, authorship & compliance
Drafting tools use templates and statutory references. Review the facts, citations, recipient and attachments before approving a letter. You may print and mail it or authorize a connected mailing provider; CFPB complaints are prepared for you to submit. Read the full methodology.
Vindex Intelligence provides self-service software, not legal advice. A software label alone does not determine whether CROA or state credit-services laws apply. Providers and partners must review their actual services with qualified counsel. You can dispute errors directly with bureaus for free.
Disputing accurate, timely information does not create a right to deletion. Vindex does not promise a specific score increase or deletion. Results depend on your file and on how the relevant recipient 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.