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⭐ Trusted by 10,000+ ITIN Holders Nationwide

Your ITIN Gives You Full Credit Repair Rights

All 3 bureaus — TransUnion, Equifax & Experian — accept ITIN numbers. Under FCRA & ECOA, you have the exact same dispute rights as SSN holders. Choose the plan that fits your situation.

Choose Your Plan →

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Trusted by ITIN Holders Across America

10,000+
ITIN Holders Served
67M
Latinos in US (2025)
43%
Latino Households Un/Underbanked
34%
Hispanic Biz Growth YoY

Choose Your ITIN Credit Repair Plan

Every plan includes FCRA + ECOA protection, bureau-specific ITIN dispute procedures, and our 90-day money-back guarantee.

Basic
1–5 Negative Items
$99/month

Perfect if you have a few inaccurate items dragging your ITIN credit score down.

  • Forensic 3-Bureau ITIN Audit
  • ITIN-Specific Restoration Roadmap
  • Up to 15 Statute-Specific Disputes/Month
  • Monthly Progress Reports
  • Bilingual Support
  • Credit Building Library
Start Basic →

$99 one-time audit fee + $29.99/mo monitoring

Most Popular
Professional
6–15 Negative Items
$149/month

For ITIN holders with moderate credit damage who need aggressive, multi-front disputes.

  • Forensic 3-Bureau ITIN Audit
  • ITIN-Specific Restoration Roadmap
  • Up to 25 Statute-Specific Disputes/Month
  • Monthly Progress Reports
  • Bilingual Support
  • Credit Building Library
  • Dedicated Credit Analyst
  • Direct Creditor Intervention
Start Professional →

$149 one-time audit fee + $29.99/mo monitoring

Premium
16+ Negative Items
$199/month

Complete ITIN credit file overhaul — maximum disputes, dedicated analyst, priority service.

  • Forensic 3-Bureau ITIN Audit
  • ITIN-Specific Restoration Roadmap
  • Up to 40 Statute-Specific Disputes/Month
  • Monthly Progress Reports
  • Bilingual Support
  • Credit Building Library
  • Dedicated Credit Analyst
  • Priority Service & Escalation
  • Direct Creditor Intervention
  • Goodwill Letter Campaigns
Start Premium →

$199 one-time audit fee + $29.99/mo monitoring

✓ 90-Day Money-Back Guarantee • ✓ Only pay when progress is verified

ITIN Holders Have Full Federal Protection

Under the FCRA, ECOA, CROA, FDCPA — your ITIN gives you the exact same rights as SSN holders.

ECOA (15 U.S.C. § 1691)

ECOA prohibits discrimination based on national origin. Your ITIN file has equal rights.

FCRA (15 U.S.C. § 1681)

FCRA requires bureaus to investigate ITIN disputes the same as SSN disputes.

CROA (15 U.S.C. § 1679)

Written contract, 3-day cancellation, no advance fees until services are performed.

FDCPA (15 U.S.C. § 1692)

Collectors cannot treat ITIN-identified debts differently. Full validation rights apply.

👨‍💼

Meet Rick Jefferson

Founder & ITIN Credit Expert

Rick Jefferson founded RJ Business Solutions with one mission: ensure every ITIN holder in America knows their credit rights under federal law.

With deep expertise in FCRA, ECOA, and bureau-specific ITIN dispute procedures, Rick has helped thousands of ITIN holders challenge inaccurate items and rebuild their credit files.

"Your ITIN is not a limitation — it's your key to the same credit system that SSN holders use. The law is on your side." — Rick Jefferson

Frequently Asked Questions

Can I really repair credit with just an ITIN?
Yes. All three major credit bureaus — TransUnion, Equifax, and Experian — accept ITIN numbers for credit file identification and dispute filing. Under the FCRA and ECOA, you have the exact same dispute rights as SSN holders.
What's the difference between the plans?
Basic targets 1–5 negative items (15 disputes/mo). Professional targets 6–15 items (25 disputes/mo) with a dedicated analyst. Premium handles 16+ items (40 disputes/mo) with priority service, direct creditor intervention, and goodwill campaigns.
When do I get charged?
The $99-$199 audit fee is one-time for the completed forensic report. Monthly plan fees are charged ONLY in months where verifiable progress is documented (deletions, corrections, or score improvements). No progress = no charge.
What is MyFreeScoreNow and why do I need it?
MyFreeScoreNow ($29.99/mo) is a third-party credit monitoring service that provides us live tri-bureau access to your ITIN credit file. It accepts ITIN numbers for enrollment. This is required so we can track every change to your file.
What if I don't see results?
Our 90-day money-back guarantee covers all plan tiers. If we can't show a single verified improvement within 90 days, you get every plan fee refunded. No questions, no conditions.
Can I cancel anytime?
You have a 3-business-day right to cancel under CROA (15 U.S.C. § 1679e) with a full refund. After that, you can still cancel monthly service at any time with no penalty.
🛡️

90-Day Money-Back Guarantee

If we can't show a single verified improvement in 90 days — deletions, corrections, or documented score increases — you get every plan fee back. No questions. No conditions. No runaround.

Ready to Clean Up Your ITIN Credit File?

Choose the plan that fits your situation. Every plan includes the same federal protections — FCRA, ECOA, CROA — just different levels of service.

Choose Your Plan Now →

Federal Compliance & Legal Disclosures

RJ Business Solutions is a credit repair organization under the Credit Repair Organizations Act (15 U.S.C. § 1679). We are not a law firm and do not provide legal advice.

CROA

CROA: Written contracts, 3-day cancellation, no advance fees for dispute services.

FCRA

FCRA: Disputes filed under §611, §623, §605 — same protections for ITIN and SSN holders.

ECOA

ECOA: National-origin discrimination prohibited — ITIN files treated equally.

FDCPA

FDCPA: Debt validation rights enforced, no discrimination based on ITIN status.

TSR / FTC / CFPB

TSR: No advance fees per 16 CFR §310.4(a)(2). CFPB Regulation V and F procedures followed.

Identity Policy

Identity Theft Policy: We do not collect immigration status. ITIN used solely for credit bureau communication.

Questions? Contact us: rickjefferson@rickjeffersonsolutions.com