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.
Important: Please Read Before Purchasing
605b.ai is self-service dispute documentation software.
• 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.
All sales are final. Access to digital software tools is granted immediately upon purchase.
Free Analyzer (Read-Only)
Credit Report Analyzer
Understand your credit report
Free
Educational access only
Best for: Learning about your credit situation before committing
Upload 1 credit report (PDF)
Read-only analysis summary
Issue categorization
Educational process walkthrough
"What you can do" checklist
Letter downloads
Exports
Dispute tracking
Dispute Toolkit
Core dispute documentation
$39
One-time purchase
Best for: Simple disputes with 1-5 items at a single bureau
Full analysis export (PDF)
Core bureau dispute templates
Dispute tracker (manual status)
Certified mail checklist
Educational guidance
Full template library (62 letters)
AI Strategist
Creditor dispute templates
Escalation templates
Most Popular
Advanced Dispute Suite
Full dispute capabilities
$89
One-time purchase
Best for: Multi-bureau disputes, collections, creditor issues
Everything in Dispute Toolkit
Full template library (62 letters)
Creditor dispute templates
CFPB + FTC complaint generators
Multi-round dispute organization
Escalation documentation
AI Strategist (educational)
605B identity theft workflow
Attorney-ready compilation
605B Identity Theft Toolkit
Complete fraud documentation
$179
One-time purchase
Best for: Identity theft victims, fraudulent accounts, potential litigation
Everything in Advanced Suite
605B-specific workflows
FTC Identity Theft Report integration
Identity theft affidavits
Police report templates
Evidence packet builder
Audit log export
Attorney-ready document compilation
Optional Add-ons
Available for existing customers
Additional Report Analysis
Analyze another credit report PDF
$7
AI Strategist Credits
Additional AI guidance sessions
$10
Attorney Export Pack
Formatted documentation for legal counsel
$39
Feature
Free
Toolkit ($39)
Advanced ($89)
605B ($179)
PDF Analysis
1 (read-only)
1 + export
3 + export
Unlimited
Letter Templates
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Core bureau letters
All 62 templates
All 62 templates
Dispute Tracker
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✓
✓
✓
AI Strategist
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✓
✓
Creditor Disputes
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✓
✓
CFPB/FTC Complaints
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✓
✓
Escalation Templates
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✓
✓
605B Workflow
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✓
FTC Report Integration
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✓
Identity Theft Affidavits
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✓
Audit Log Export
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✓
✓
Attorney-Ready Docs
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✓
Software, Not Services
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 credit repair services that charge monthly fees and act on your behalf, 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
Not sure where to start?
Start free. Analyze your report. See what's possible.