All 3 bureaus — TransUnion, Equifax & Experian — accept ITIN numbers. Under FCRA & ECOA, you have the exact same dispute rights as SSN holders. Choose the plan that fits your situation.
Choose Your Plan →Only 12 spots remaining this month
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.
📊 $29.99/mo — Required before audit begins
Activate Credit Monitoring →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.
Every plan includes FCRA + ECOA protection, bureau-specific ITIN dispute procedures, and our 90-day money-back guarantee.
Perfect if you have a few inaccurate items dragging your ITIN credit score down.
The $99 monthly fee is charged only when verifiable progress is documented. No progress = no charge. Period.
Start Basic →$99 one-time audit fee + $29.99/mo monitoring
For ITIN holders with moderate credit damage who need aggressive, multi-front disputes.
$149/month charged only when verified progress is documented. Same standard, higher output.
Start Professional →$149 one-time audit fee + $29.99/mo monitoring
Complete ITIN credit file overhaul — maximum disputes, dedicated analyst, priority service.
$199/month charged only when verified progress is documented. Same zero-risk standard.
Start Premium →$199 one-time audit fee + $29.99/mo monitoring
✓ 90-Day Money-Back Guarantee • ✓ Only pay when progress is verified
| Feature | Basic $99 | Professional $149 | Premium $199 |
|---|---|---|---|
| Negative Items | 1–5 | 6–15 | 16+ |
| Disputes/Month | 15 | 25 | 40 |
| One-Time Audit | $99 | $149 | $199 |
| Monitoring (Required) | $29.99/mo | $29.99/mo | $29.99/mo |
| Forensic 3-Bureau Audit | ✅ | ✅ | ✅ |
| 10-Point Roadmap | ✅ | ✅ Enhanced | ✅ Full |
| Progress Reports | Monthly | Bi-Weekly | Weekly |
| Bilingual Support | ✅ EN/ES | ✅ EN/ES | ✅ All |
| Dedicated Credit Analyst | ❌ | ✅ | ✅ |
| Direct Creditor Intervention | ❌ | ✅ | ✅ |
| Goodwill Letter Campaigns | ❌ | ✅ | ✅ Expanded |
| Pay-for-Delete Negotiations | ❌ | ✅ | ✅ |
| Legal Demand Letters | ❌ | ❌ | ✅ |
| Identity-Theft Doc Submission | ❌ | ❌ | ✅ w/ Waiver |
| Mortgage-Ready Program | ❌ | ❌ | ✅ |
| Rapid Rescoring | ❌ | ❌ | ✅ |
| Business Credit Building | ❌ | ❌ | ✅ |
| VIP Concierge / Rick Access | ❌ | ❌ | ✅ |
| 90-Day Money-Back Guarantee | ✅ | ✅ | ✅ |
| Pay Only When Progress Verified | ✅ | ✅ | ✅ |
📊 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.
Choose Your Plan Now →