Expert articles on ITIN credit rights, dispute strategies, credit building, and federal protections — by Rick Jefferson.
Everything ITIN holders need to know about disputing inaccurate items, understanding FCRA rights, and rebuilding credit scores across all 3 bureaus.
Read Article →The Fair Credit Reporting Act gives ITIN holders the exact same dispute rights as SSN holders. Here is what every section means for your credit file.
Read Article →Under ECOA, credit bureaus and creditors cannot discriminate based on national origin. Your ITIN file has equal rights.
Read Article →A step-by-step walkthrough of every section of your TransUnion, Equifax, and Experian credit reports — what to look for and what to dispute.
Read Article →Strategic dispute letter writing for ITIN holders — statute citations, bureau-specific formats, and legal angles that get results.
Read Article →Secured cards, credit-builder loans, authorized user strategies, and more — all available to ITIN holders. Start building credit today.
Read Article →FHA, USDA, conventional, and credit union options for ITIN holders. Requirements, documentation, down payments, and paths to homeownership.
Read Article →Separate your personal and business credit. EIN profiles, Dun & Bradstreet file setup, vendor tradelines, and growth paths for ITIN entrepreneurs.
Read Article →Debt validation, statute of limitations, pay-for-delete — your toolkit for removing collection accounts from ITIN credit files.
Read Article →How to optimize your credit utilization ratio for maximum score impact. Strategies specific to ITIN holders with thin or rebuilding files.
Read Article →Not all inquiries are authorized. Learn how to identify and dispute unauthorized hard pulls on your ITIN credit file under FCRA §604.
Read Article →The Credit Repair Organizations Act protects you: written contracts, 3-day cancellation, no advance fees. What to look for and red flags to avoid.
Read Article →All 3 bureaus accept ITIN numbers. Under FCRA and ECOA, ITIN holders have the exact same dispute and credit rights as SSN holders.
Read Article →Step-by-step enrollment guide for MyFreeScoreNow — the tri-bureau credit monitoring service that accepts ITIN numbers.
Read Article →How to spot predatory credit repair companies targeting ITIN holders. Red flags, CROA violations, and what legitimate services look like.
Read Article →How authorized user tradelines work for ITIN holders — eligibility, bureau reporting, and strategies for rapid score improvement.
Read Article →Transparent pricing for ITIN credit repair: Basic $99/mo, Professional $149/mo, Premium $199/mo — billed only on verified progress.
Read Article →The Fair Debt Collection Practices Act protects ITIN holders from abusive collection practices. Validation rights, cease letters, and enforcement.
Read Article →How rapid rescoring works — 24-72 hour credit report updates for ITIN holders during mortgage applications or time-sensitive transactions.
Read Article →How identity theft affects ITIN credit files and what steps to take for recovery — FTC reports, fraud alerts, credit freezes, and dispute procedures.
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