The credit dispute workspace, exactly as you’ll use it
Upload your credit report, review what gets flagged, and work through it with an AI strategist in your corner — the same screens you’ll use every day, not a sales pitch.
Upload your credit report
Uploaded PDFs are processed for analysis and are not stored on our servers — only the issue summary is saved.
Review your results
This tradeline shows a delinquent status that may not match your payment records. Worth verifying against your own statements before it ages further.
A collection is listed without clear validation of the underlying debt. You may request verification from the collector.
Work it through with the AI Strategist
This assistant provides educational guidance to help you prepare and organize your own documentation. I don’t provide legal advice or guaranteed outcomes.
What’s going on with your credit?
→ Capital One (High) — verify the past-due status against your statements first. If it’s inaccurate, a §611 reinvestigation request fits.
→ Midland MCM (Medium) — a collection without clear validation. A §809 debt validation request is the usual next step.
→ LVNV inquiry (Low) — confirm whether you authorized it before doing anything.
Want me to walk through the language for the first letter?
AI Strategist is available on the Advanced plan. Educational guidance only — never legal advice.
Built to keep you organized
Templates
Statute-specific letter templates. Pick a basis, fill the facts, export a print-ready PDF in your own voice.
Tracker
Log every letter you mail and let 605b count the statutory clock. Neutral status labels keep records tidy.
Flagged
Every item you flagged for action, in one queue — with the documentation basis that applies to each.
Audit Log
A complete, timestamped history of every upload, flag, draft, and mailing — exportable for your records.
The same workspace, on your phone
Upload on the web, review findings from your phone — the analysis, flagged items, deadlines, and audit trail stay in sync with the 605b mobile app.
Start your review.
Upload your report, see what gets flagged, and decide your next step — free to scan.
605b.ai is self-service software that helps you analyze credit reports and prepare dispute documentation. It is not a credit repair organization and does not provide legal advice. We never contact bureaus or creditors on your behalf and do not guarantee any outcomes.