Everything ITIN holders need to know about credit repair rights, plans, billing, and guarantees.
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.
What languages do you support?
All communications, dispute letters, and client support are available in English and Spanish. Our website is available in 5 languages: English, Spanish, Portuguese, French, and Haitian Creole.
Do I need an SSN to use your services?
No. Our services are specifically designed for ITIN holders. All three major credit bureaus (TransUnion, Equifax, Experian) accept ITIN numbers. Under FCRA and ECOA, you have the exact same dispute rights as SSN holders.
How long does credit repair typically take?
Results vary by credit profile complexity. Simple files (1-5 items) may see results in 30-60 days. Complex profiles (16+ items) typically require 6-12 months of active dispute work. Your forensic audit provides a detailed timeline projection.
Is credit repair legal?
Absolutely. Credit repair is your federal right under the Fair Credit Reporting Act (FCRA). The Credit Repair Organizations Act (CROA) regulates companies like ours to protect consumers. You have the legal right to dispute any inaccurate, incomplete, or unverifiable information on your credit report.