1–5 Negative Items
Basic ITIN Credit Repair
Perfect if you have a few inaccurate items dragging your ITIN credit score down.
$99/month
$99 one-time audit fee + $29.99/mo monitoring • Only pay when progress is verified
Perfect if you have a few inaccurate items dragging your ITIN credit score down.
$99 one-time audit fee + $29.99/mo monitoring • Only pay when progress is verified
Before a single dispute letter goes out, you get a deep-dive forensic audit of all three bureaus (TransUnion, Equifax, Experian). This isn't a printout from Credit Karma. We're talking a line-by-line teardown of every tradeline, inquiry, collection, public record, and account status — cross-referenced against FCRA §§ 604, 605, 611, 623, FDCPA requirements, and ECOA protections.
📊 $29.99/mo Monitoring Required — Enroll before audit begins
Activate Credit Monitoring →One-Time Audit: $99 | Monitoring: $29.99/mo | Designed for: 1–5 Negative Items
The heart of the Basic Plan is up to 15 statute-backed dispute letters per month, drafted with precision under FCRA §611 (right to reinvestigation), §623 (furnisher accuracy obligations), and §604 (permissible purpose challenges). These aren't generic templates — each letter is tailored to the specific account, bureau, and legal angle identified in your audit.
You receive a comprehensive monthly progress report detailing every dispute filed, every bureau response received, every item removed or updated, and your score trajectory across all three bureaus. Transparency is non-negotiable here.
Bilingual support (English & Spanish) is included — not an upgrade, not a fee. It's built in because Rick built this for communities that have historically been underserved by an industry that only speaks one language.
The Credit Education Library gives you access to guides, tools, and resources covering credit-building strategies, understanding your rights as an ITIN holder, how to read your credit report, secured card strategies, and more.
Full Compliance Coverage: CROA, FCRA (§§ 604, 605, 611, 623), FDCPA, FCBA, FTC Telemarketing Sales Rule, CFPB guidelines, ECOA/Regulation B (ITIN anti-discrimination protections).
The $99 monthly fee is charged only when verifiable progress is documented — a deletion, a correction, a score increase, or a substantive bureau/creditor response. No progress = no charge. Period.
Creditor negotiations, goodwill letter campaigns, pay-for-delete negotiations, credit-building guidance, identity-theft document handling, mortgage-ready program, rapid rescoring, or VIP concierge access. Those live in Professional and Premium.
Most credit repair companies charge $79–$129/month for similar tier services — but they charge you upfront, lock you into contracts, and send the same boilerplate letters to every client. RJ Business Solutions charges nothing until you see results and tailors every dispute to your specific legal situation.
📊 Enroll in MyFreeScoreNow credit monitoring — activates your tri-bureau data feed
Activate Credit Monitoring →📦 Select your package (Basic, Professional, or Premium) based on your negative items
💳 Pay the one-time audit fee — $99, $149, or $199 depending on your plan
🚀 Within 5 business days — receive your full audit report and roadmap, disputes begin
Under the FCRA, ECOA, CROA, FDCPA — your ITIN gives you the exact same rights as SSN holders.
ECOA prohibits discrimination based on national origin. Your ITIN file has equal rights.
FCRA requires bureaus to investigate ITIN disputes the same as SSN disputes.
Written contract, 3-day cancellation, no advance fees until services are performed.
Collectors cannot treat ITIN-identified debts differently. Full validation rights apply.
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
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.
Choose the plan that fits your situation. Every plan includes the same federal protections — FCRA, ECOA, CROA — just different levels of service.
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