Process
How AI credit repair actually works.
Credit repair isn't magic — it's the disciplined enforcement of consumer protection law. Here's exactly how Vindex Intelligence turns your three-bureau credit report into a campaign of bureau-ready dispute letters.
- 01
Upload your credit report
Pull your free three-bureau report from AnnualCreditReport.com or your favorite credit-monitoring service and upload the PDF. Vindex accepts Experian, Equifax, and TransUnion reports in any standard format.
- 02
AI scans for FCRA violations
Our AI parses every tradeline, collection, inquiry, and public record, then cross-references each one against the Fair Credit Reporting Act, FDCPA, FCBA, and METRO 2 reporting standards to flag disputable items.
- 03
Bureau-ready letters generated
Each dispute is drafted with the strongest applicable legal basis — §609 information requests, §611 reinvestigation demands, §623 furnisher disputes, §1692g debt-validation letters, or §605B identity-theft blocks.
- 04
Print, sign, and mail (or e-file)
Download your letters, sign them with your stored e-signature, and mail them certified with return receipt to start the 30-day FCRA reinvestigation clock. Online portal submissions are also supported.
- 05
Track responses and escalate
Vindex tracks every letter past the 30-day FCRA reinvestigation window, automatically escalates non-responses to CFPB and state attorney general complaints, and drafts your next round of disputes.
- 06
Watch your score climb
Most members see deletions within 30–45 days of the first round. We continue iterating — round two, round three, escalation letters — until your file is as clean as the law allows.
The laws behind every Vindex letter
- Fair Credit Reporting Act (FCRA)
- 15 U.S.C. §1681 — governs accuracy, dispute rights, the 30-day reinvestigation window, the 7-year reporting limit, and the consumer's right to a free annual report from each bureau.
- Fair Debt Collection Practices Act (FDCPA)
- 15 U.S.C. §1692 — controls debt collector conduct, mandatory debt validation under §1692g, and prohibits abusive collection practices.
- Fair Credit Billing Act (FCBA)
- 15 U.S.C. §1666 — governs billing-error disputes for open-end credit accounts like credit cards.
- Credit Repair Organizations Act (CROA)
- 15 U.S.C. §1679 — protects consumers, prohibits guaranteed-result claims, and guarantees a 3-day right to cancel.
- METRO 2 Reporting Standard
- Industry-mandated data-furnishing format. Tradelines that don't comply are systematically disputable.