How much should ITIN credit repair actually cost? I'm Rick Jefferson, and I built RJ Business Solutions with transparent, performance-based pricing because I was tired of watching companies overcharge ITIN holders for mediocre work. Let me break down the real costs.

Industry Pricing Landscape (2026)

Most credit repair companies charge:

  • ✓$79–$149/month for basic services (15-25 disputes/month)
  • ✓$49–$99 upfront "setup" or "first-work" fees
  • ✓$150–$300/month for premium tiers
  • ✓6-12 month minimum commitments (some with cancellation penalties)

The problem? Most of these companies charge upfront regardless of results, use template letters, and have never worked with an ITIN credit file. They don't understand bureau-specific ITIN procedures, and they definitely don't cite ECOA in their dispute letters.

RJ Business Solutions Pricing — Transparent & Performance-Based

  • ✓Basic: $99/month — Up to 15 disputes/mo, forensic audit, monthly reports, bilingual support. For 1-5 negative items.
  • ✓Professional: $149/month — Up to 25 disputes/mo, dedicated analyst, creditor intervention, goodwill campaigns, pay-for-delete. For 6-15 items.
  • ✓Premium: $199/month — Up to 40 disputes/mo, legal demand letters, mortgage-ready program, rapid rescoring, business credit building, VIP access. For 16+ items.

The Performance-Based Difference

You only pay when progress is verified. No progress in a given month = no charge for that month. This means our incentives are perfectly aligned with yours. We make money when you see results. Period.

Additionally, we offer a 90-day money-back guarantee: if we can't show a single verified improvement (deletion, correction, or documented score increase) within 90 days, you get every plan fee refunded.

Additional Costs to Budget For

  • ✓MyFreeScoreNow credit monitoring: $29.99/month (required, separate from plan fee)
  • ✓One-time audit fee: $99/$149/$199 (matches your plan tier)

Total monthly cost: $128.99 (Basic + monitoring) to $228.99 (Premium + monitoring). Compared to the industry, this is competitive — and you're only paying when we deliver.

"I refuse to charge someone for a service that did not produce results. That is not a business model — that is exploitation. Performance-based billing is the only ethical approach to credit repair."

— Rick Jefferson