# 605b.ai: Dispute Credit Report — Identity Theft & FCRA Letters

> AI-powered credit report dispute and letter generation tool. (iPhone/iPad app by Ninth Wave Analytics LLC.)

- Source: https://appshunter.io/ios/app/605bai-dispute-credit-report/id6760727203 (this page in markdown: same URL + `.md`)
- Developer: [Ninth Wave Analytics LLC](https://appshunter.io/developer/1885931212)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 5.00/5 from 4 App Store ratings · 4 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 40 MB
- Languages: American English
- Released: 2026-08-04
- Data updated: 2026-08-25
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/605bai-dispute-credit-report/id6760727203/reviews.md

## What is 605b.ai?

605b.ai is a self-service credit dispute app. Upload your credit report PDF from Equifax, Experian, or TransUnion and AI flags collections, charge-offs, negative items, and inquiries — with every finding tied to the actual text of your report.

From there, generate dispute letters with FCRA citations — including Section 605B identity theft block letters — organize your documentation, and track every dispute deadline in one place.

One-time purchases, no subscriptions. Reviewing your own report has no impact on your credit score.

Key features:
• Upload your credit report (PDF)
• AI analysis with statute-specific citations (FCRA, FDCPA, FCBA)
• Statute-cited dispute letter templates
• Section 605B identity theft documentation workflow
• Dispute deadline and response tracking
• Export your files

Your files are used only for analysis — we don't sell your data, we don't contact creditors on your behalf, and we don't retain more than we need to.

605b.ai is self-service documentation software. It is not legal advice, not a credit repair organization, and not a substitute for professional counsel. Users generate, review, manage, and send their own documentation. No outcomes are guaranteed.

## Key features

- Upload credit report PDF
- AI analysis with citations
- FCRA-cited dispute letters
- Identity theft documentation
- Dispute deadline tracking
- Export files

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Dispute Toolkit | $39.99 | one-time |
| Advanced Features | $89.99 | one-time |
| Identity Theft Protection | $179.99 | one-time |


## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/605bai-dispute-credit-report/id6760727203/reviews.md

### 5/5 — Refreshing

*2026-08-21*

No subscriptions and all the tools to dispute in one place. Thank you !

### 5/5 — This app works

*2026-08-13*

Finally an app that told me exactly what to do to fix each thing on my credit. You have to follow instructions and mail off certain things, but it absolutely WILL fix the problems you have. It worked for my 500-something credit and took it above 700 very quickly. Trust and believe, it will work.

### 5/5 — Love it

*2026-08-12*

I love how you can track everything in one place. Really helpful if you are trying to clean up your credit

### 5/5 — Extremely helpful

*2026-08-07*

Solid app. Makes the credit dispute process way less confusing

## Frequently asked questions about 605b.ai

### Does 605b.ai have ads?

No, 605b.ai does not contain advertisements. The app is free to download and use, with optional in-app purchases for advanced features or services.

### What is the pricing for 605b.ai?

605b.ai is free to download and use. The app offers one-time purchases for specific features or services, rather than a recurring subscription model.

### How does 605b.ai help with identity theft?

605b.ai provides a specific workflow for Section 605B identity theft documentation. It helps you generate the necessary letters with FCRA citations to block identity theft from your credit report.

### What credit bureaus does 605b.ai support?

You can upload your credit report PDF from Equifax, Experian, or TransUnion to 605b.ai for analysis and dispute letter generation.

### Is 605b.ai a credit repair service?

No, 605b.ai is self-service documentation software. It is not legal advice, a credit repair organization, or a substitute for professional counsel. Users manage and send their own documentation.

### How often is 605b.ai updated?

The latest version of 605b.ai is 1.0.1, which was last updated on August 13, 2026. This indicates a recent update, suggesting active development and maintenance.

### What devices can I use 605b.ai on?

605b.ai is available for iPhone, iPad, and iPod devices, making it accessible for users within the Apple ecosystem.

### What is the user sentiment for 605b.ai?

Users have reported a highly positive experience with 605b.ai, as indicated by its rating of 5.0 stars from 3 ratings. This suggests strong user satisfaction with its functionality.

## Version history (last 3 releases)

### 1.0.2 — 2026-08-20

Deadline reminders are here.

- Get a heads-up before dispute response windows close, as push notifications, email, or both
- Choose exactly when you're reminded, from a week out to day-of
- Discreet by default: notifications never show dispute details unless you opt in
- Manage everything from the new Reminders screen in your Tracker

Plus a refreshed App Store look and stability improvements.

### 1.0.1 — 2026-08-13

Improvements in this update:
• Option to rate the app after sharing a letter
• Letter preview refinements
• Stability and account-integrity fixes

### 1.0.0 — 2026-08-04

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*