Remove Negative Items
AI-drafted FCRA dispute letters that legally remove collections, charge-offs, late payments, and hard inquiries from your Experian, Equifax, and TransUnion reports — with the $15 one-time Analyze & Dispute plan.
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.
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.
Inquiries you didn't authorize are a FCRA §604 violation. Vindex drafts the dispute and tracks the 30-day removal window.
FCRA §605B blocks fraudulent tradelines within 4 business days when paired with an FTC IdentityTheft.gov affidavit.
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 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.
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.
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.
$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.
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.
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
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.