Built so you can do it yourself — properly.
605b.ai gives consumers professional-grade tools to review their own credit reports and prepare their own dispute documentation — from routine reporting errors to identity theft blocks under FCRA §605B. We believe you shouldn’t need to hire a credit-repair company to understand what’s on your file. Every flag, every template, every next step stays in your hands — transparent, statute-grounded, and entirely self-directed.
The consumer-rights case for doing it yourself
Fixing credit report errors isn’t a secret process — it’s just fragmented and confusing.
Over time, that confusion created an industry that sits between people and their own rights. Many services work behind the scenes, charge ongoing fees, reuse generic letters, and don’t clearly explain what they’re doing.
We chose a different approach. 605b.ai compiles and organizes the real credit dispute process into simple, self-service software. Everything is transparent and under your control. Nothing is sent on your behalf. Nothing is hidden.
So 605b.ai is built as software, not a service. We parse your report, surface what may warrant a closer look, explain the documentation basis in plain language, and help you assemble a print-ready packet. Nothing is sent on your behalf. Nothing is promised about the result.
You generate the documents, review them, and send them yourself. If you can follow directions and go to the post office, you can use this.
What we hold ourselves to
Every template, every workflow, every piece of guidance is visible to you. We don’t hide the process behind a service layer.
You generate the documents. You review them. You send them. We never act on your behalf or contact anyone for you.
We don’t guarantee outcomes. Results depend on your specific situation and your follow-through.
No subscriptions. No monthly fees. Pay once, use until you’re done. The dispute process has an endpoint.
Every template references real federal law — FCRA §605B, §611, FDCPA §809. Built around the actual legal framework.
We do not store your uploaded credit report PDFs as retrievable files. They are processed for analysis and not retained as documents.
“Accurate credit reporting is a right. Our job is to hand you the tools to claim it — and then step out of the way.”
605b.ai — Mission
What we are (and aren’t)
- A credit repair organization
- A law firm or legal service
- A service that acts on your behalf
- A subscription-based monthly fee
- A guarantee of any specific outcome
- Self-service document software
- Educational guidance on your rights
- Tools you control completely
- One-time purchase, use until done
- A transparent workflow organizer
How we think about compliance
We keep our role narrow and clearly stated — so you always know exactly what 605b.ai is and isn’t.
We are not a credit repair organization.
We provide no legal advice or representation.
We never contact bureaus or creditors for you.
Results depend on your circumstances.
Ninth Wave Analytics LLC
Building tools for consumer empowerment
Questions? Reach out.
support@605b.aiStart your review.
Upload your report, see what gets flagged, and decide your next step — on your terms, start to finish.