Pay once. Use until you’re done.
One payment. Use until you're done. No subscriptions, no recurring fees, no surprises.
Start free to see your analysis. Upgrade when you're ready to act.
• We do not send letters on your behalf
• We do not contact creditors or credit bureaus for you
• We do not guarantee any outcome
You are responsible for reviewing, printing, and sending all correspondence you generate. This platform is an educational and organizational tool designed to help you exercise your rights under federal consumer protection law.
- FTC Identity Theft Affidavit page prepared from your intake, with signature and date lines
- One FCRA 605B block request letter (15 U.S.C. 1681c-2) per selected bureau, with the bureau mailing address
- Creditor dispute letter template, certified mail tracking checklist and USPS instructions
Self-service software output: you review, sign and mail everything yourself.
The credit bureau decides every block request.
Optional Add-ons
Available for existing customers
Additional Report Analysis
Analyze another credit report PDF
| Feature | Free | Toolkit ($39) | Advanced ($89) | 605B ($179) |
|---|---|---|---|---|
| PDF Analysis | 1 (read-only) | 3 | 6 | Unlimited |
| Letter Templates | — | Core bureau letters | Full template library (60+) | Full template library (60+) |
| Dispute Tracker | — | ✓ | ✓ | ✓ |
| AI Strategist | — | — | ✓ | ✓ |
| Creditor Disputes | — | — | ✓ | ✓ |
| CFPB/FTC Complaints | — | — | ✓ | ✓ |
| Escalation Templates | — | — | ✓ | ✓ |
| 605B Workflow | — | — | — | ✓ |
| Identity Theft Affidavits | — | — | — | ✓ |
| Identity Theft Dispute Packet, $49 one-time | Separate purchase | Separate purchase | Separate purchase | Included |
The packet is a standalone one-time purchase. It does not change your plan or tier. The 605B Identity Theft Toolkit already includes it. This purchase is final and not refundable because the packet produces sworn documents.
Why one-time pricing works
605b.ai is self-service software—like TurboTax for credit disputes. You generate your own dispute correspondence, customize it, and send it yourself. We provide the tools and education; you do the work.
Unlike services that act on your behalf and charge monthly fees, our one-time software license means you're not paying for something that should take 30-90 days as if it's a forever subscription. Pay once, use the tools, move on.
Frequently Asked Questions
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