Complete ITIN credit file overhaul — maximum disputes, dedicated analyst, priority service.
$199 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: $199 | Monitoring: $29.99/mo | Designed for: 16+ Negative Items, identity-theft cases, mortgage goals, or business credit needs
Up to 40 disputes per month — maximum firepower for complex, multi-item credit profiles. Every dispute is strategically timed and escalated based on bureau reinvestigation patterns.
Priority Service & Escalation means your file gets first-queue treatment. When a bureau issues a suspicious verification response or a creditor fails to respond within FCRA §611's 30-day reinvestigation window, your case is immediately escalated — to legal demand letters, regulatory complaints, or CFPB submissions as appropriate.
Expanded Goodwill Letter Campaigns are more extensive at the Premium tier — covering more accounts, multiple rounds, and personalized narratives that speak directly to each creditor's customer retention interests.
Legal Demand Letters — when a bureau or furnisher violates FCRA reinvestigation requirements (§611), fails to correct inaccurate information (§623), or continues reporting after a verified dispute, we send formal legal demand letters citing specific statutory violations, damages exposure under FCRA §616 (civil liability), and escalation timelines.
Identity-Theft Document Submission Handling — if you have independently filed an FTC Identity Theft Report or police report yourself (without our involvement), and you provide those documents to us with a signed client waiver, we will submit them as supporting documentation in your disputes. The signed waiver must confirm: (1) you filed independently; (2) RJ had zero involvement; (3) all information is truthful; (4) you release RJ Business Solutions from all liability.
Mortgage-Ready Program — if homeownership is the goal, Premium includes a loan-type-specific preparation roadmap (FHA, VA, USDA, Conventional), coordination with lenders on score requirements, and milestone checkpoints tied to specific score thresholds.
Rapid Rescoring Services — after a verified deletion or correction, we coordinate with lenders to expedite credit report updates within 24–72 hours. Critical for clients mid-purchase contract or loan application.
Business Credit Building — EIN credit profile establishment, Dun & Bradstreet (D&B) file setup, vendor tradeline activation, and guidance on building business credit separately from personal credit.
VIP Concierge & Direct Rick Jefferson Access — weekly strategy calls available, direct email/text line to Rick, and first-priority scheduling for any escalations or strategy sessions.
Weekly Progress Updates — every seven days, a full report: disputes filed, responses received, items removed, score changes, escalations triggered, and upcoming action items.
$199/month charged only when verified progress is documented. Same zero-risk standard.
Credit Saint's "Platinum" tier runs $179.99/month — charged upfront, no ITIN focus, no bilingual support, no business credit, no mortgage program, no direct founder access. The Credit Pros charges $149/month with an upfront $149 setup fee — same week you sign. RJ Premium charges the audit fee once, nothing more until you see results, and delivers a service architecture no competitor in this tier comes close to matching.
📊 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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