Meet Rick Jefferson
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
Why Rick Built RJ Business Solutions
The credit repair industry is a $7.31 billion space crawling with companies that charge you upfront, ghost you after month one, speak zero Spanish, and have never heard the word "ITIN." Rick Jefferson built RJ Business Solutions specifically to flip that script.
Every package is performance-based (you don't pay monthly fees until progress is verified), fully FCRA + ECOA compliant, bilingual, and designed with ITIN holders at the center of the strategy — not as an afterthought.
Rick holds deep expertise in: FCRA (Fair Credit Reporting Act — §§ 604, 605, 611, 623), ECOA (Equal Credit Opportunity Act / Regulation B), CROA (Credit Repair Organizations Act), FDCPA (Fair Debt Collection Practices Act), and FTC Telemarketing Sales Rule.
Every plan is bilingual (English & Spanish), performance-based (no monthly charge until progress is verified), and designed with ITIN holders at the center of every strategy.