Hey Product Hunt 👋

I spent the last few years on the other side of this problem, building fraud detection and hunting synthetic identities and the CPN mills that manufacture them. What you learn quickly from that seat is that the people getting wrecked by the credit system are rarely the ones gaming it.

605b.ai is the other end. Upload your credit report, and it flags errors, collections, and identity theft, then drafts FCRA-cited dispute letters that you send yourself.

The part I care most about: every finding is anchored to a verbatim quote from your own report. If the model can't point at the line, the finding gets dropped. And if your report is clean, it tells you it's clean. An AI that invents a dispute to justify its own existence is worse than useless here. You would be mailing a credit bureau a claim you can't support, over your own signature.

Specifics:

• Section 605B identity theft block letters

• 60+ statute-specific templates

• Deadline tracking, so the 30-day clock doesn't quietly run out on you

• Free analysis. One-time purchase, no subscription. Web, iOS, and Android.

What it isn't: this is not credit repair, and it cannot remove accurate negative items. Nobody can, and anyone charging you monthly to try is selling you the wait. It helps you find what's genuinely wrong and say it in the language the statute actually uses.

If you've ever disputed something and gotten a form letter back, I'd like to hear what happened.