Vindex Intelligence
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Services

Credit repair services for every dispute.

Vindex Intelligence is an AI credit repair and credit restoration platform that generates bureau-ready dispute letters for Experian, Equifax, and TransUnion. Every letter is grounded in the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Billing Act (FCBA), and METRO 2 reporting standards.

Collections Removal

Challenge unverifiable third-party collections with FDCPA debt-validation demands and FCRA reinvestigation letters. We pursue both the furnisher and the bureau in parallel.

collections removal, paid collections, medical collections, third-party debt collectors

Charge-Off Disputes

Charge-offs are among the most damaging marks on a credit report. We dispute date-of-first-delinquency errors, balance inaccuracies, and re-aging violations under the FCRA.

charge-off removal, re-aging, date of first delinquency, DOFD

Late Payment Challenges

Disputes for inaccurate 30, 60, 90, and 120-day late payment notations, including goodwill letters to original creditors and FCRA-grounded reinvestigation requests to the bureaus.

late payment removal, goodwill letter, 30-day late, 60-day late, 90-day late

Hard Inquiry Removal

Unauthorized hard inquiries lower scores and may indicate identity theft. We send permissible-purpose challenges under FCRA §604 and §611.

remove hard inquiry, unauthorized inquiry, permissible purpose

Identity Theft Restoration

FTC IdentityTheft.gov affidavit support, FCRA §605B blocking demands, and bureau-specific fraud-victim letters to remove fraudulent tradelines and inquiries.

identity theft credit repair, FTC affidavit, fraud alert, credit freeze

Bankruptcy, Repossession & Foreclosure

Verification challenges for public records and severe derogatory items, including PACER-grounded bankruptcy verification and METRO 2 reporting compliance.

bankruptcy removal, repossession dispute, foreclosure dispute, public records

Student Loan & Mortgage Disputes

Specialized letters for federal and private student loans, deferment-status reporting errors, and mortgage tradeline inaccuracies across all three bureaus.

student loan dispute, mortgage credit repair, deferment errors

Debt Validation & 609 Letters

FDCPA §1692g debt-validation demands and FCRA §609 information-request letters that force the bureaus to produce the records used to verify each item.

debt validation letter, 609 dispute letter, 1692g demand

Common credit report errors we dispute

  • • Accounts that don't belong to you (mixed credit files)
  • • Outdated information past the 7-year FCRA window
  • • Duplicate collections from sold-and-resold debt
  • • Incorrect account balances and credit limits
  • • Wrong payment status or date of last activity
  • • Re-aged debts that violate FCRA §605
  • • Unverifiable judgments and tax liens
  • • Inaccurate personal information (addresses, employers)
  • • Authorized-user accounts incorrectly reported
  • • Settled accounts still showing balances
  • • Closed accounts reporting as open
  • • Identity-theft and synthetic-identity tradelines

Ready to repair your credit?

Upload your three-bureau credit report and Vindex will draft your first round of dispute letters in under sixty seconds.

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Built for Operators

Quiet, measurable, undeniable.

4.9 / 5 average across 247 verified reviews from credit repair 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.
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.
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.
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.
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.
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.