605b.ai: Dispute Credit Report
Identity Theft & FCRA Letters
Free · In‑App Purchases · Designed for iPad
605b.ai is a self-service credit dispute app. Upload your credit report PDF from Equifax, Experian, or TransUnion and AI flags collections, charge-offs, negative items, and inquiries — with every finding tied to the actual text of your report.
From there, generate dispute letters with FCRA citations — including Section 605B identity theft block letters — organize your documentation, and track every dispute deadline in one place.
One-time purchases, no subscriptions. Reviewing your own report has no impact on your credit score.
Key features:
• Upload your credit report (PDF)
• AI analysis with statute-specific citations (FCRA, FDCPA, FCBA)
• Statute-cited dispute letter templates
• Section 605B identity theft documentation workflow
• Dispute deadline and response tracking
• Export your files
Your files are used only for analysis — we don't sell your data, we don't contact creditors on your behalf, and we don't retain more than we need to.
605b.ai is self-service documentation software. It is not legal advice, not a credit repair organization, and not a substitute for professional counsel. Users generate, review, manage, and send their own documentation. No outcomes are guaranteed.
Deadline reminders are here.
- Get a heads-up before dispute response windows close, as push notifications, email, or both
- Choose exactly when you're reminded, from a week out to day-of
- Discreet by default: notifications never show dispute details unless you opt in
- Manage everything from the new Reminders screen in your Tracker
Plus a refreshed App Store look and stability improvements.
The developer, Ninth Wave Analytics LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Ninth Wave Analytics LLC
- Size
- 41.7 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Identity Theft Protection $179.99
- Advanced Features $89.99
- Dispute Toolkit $39.99
- Copyright
- © 2026 Ninth Wave Analytics LLC