605b.aiBuilt Different
We're not a credit repair company. We build software that puts the process in your hands.
Why 605b.ai Exists
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.
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 Guides Us
The principles that shape how we build and operate.
Radical Transparency
Every template, every workflow, every piece of guidance is visible to you. We don't hide the process behind a service layer.
User Control
You generate the documents. You review them. You send them. We never act on your behalf or contact anyone for you.
No False Promises
We don't guarantee outcomes. Results depend on your specific situation and your follow-through.
One-Time Pricing
No subscriptions. No monthly fees. Pay once, use until you're done. The dispute process has an endpoint.
Statute-Driven Design
Every template references real federal law. FCRA §605B, §611, FDCPA §809. Built around the actual legal framework.
Privacy First
We do not store your uploaded credit report PDFs as retrievable files. They are processed for analysis and not retained as documents.
What We Are (and Aren't)
Understanding the difference matters.
- 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
Ninth Wave Analytics LLC
Building tools for consumer empowerment
Questions? Reach out.
support@605b.aiReady to take control?
Start organizing your credit dispute process. Free to analyze. Upgrade when you're ready to act.