For ITIN holders with moderate credit damage who need aggressive, multi-front disputes.
$149 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: $149 | Monitoring: $29.99/mo | Designed for: 6–15 Negative Items
This is where 73% of RJ clients land — and for good reason.
Up to 25 disputes per month — more negative items means more angles of attack, and the Professional Plan covers them all. Each round of disputes is strategically sequenced to maximize removal probability based on bureau response patterns and account age.
A Dedicated Credit Analyst is assigned to your file. This is a real human being who knows your credit profile, tracks every open dispute, monitors creditor responses, and escalates strategically. You're not a ticket number. You're a client with a named specialist.
Direct Creditor Intervention is the game-changer that separates Professional from Basic. Your analyst contacts creditors and data furnishers directly — not just the bureaus. Under FCRA §623, furnishers have independent accuracy obligations. When we contact them directly with documented discrepancies, removal rates increase significantly.
Priority Phone Support gives you direct access during business hours. Questions, updates, strategy — you call, someone answers who actually knows your file.
Credit-Building Guidance is built into the plan: secured card recommendations, authorized user placement strategies, credit-builder loan options, and utilization management advice — all calibrated to your current profile and restoration goals.
Goodwill Letter Campaigns are personalized letters sent to original creditors requesting removal of accurately reported but paid negative items based on your customer history and goodwill. These are relationship-based, not dispute-based, and when done right, they work.
Pay-for-Delete Negotiations — when a collection is valid and settlement is the path forward, your analyst negotiates directly with collectors to remove the tradeline entirely in exchange for payment. Every agreement is documented and verified before payment is made.
Bi-Weekly Progress Updates keep you in the loop every two weeks with a full status report — disputes pending, responses received, items removed, score changes, and next steps.
Enhanced 10-Point Roadmap — at the Professional tier, your roadmap is more granular, includes creditor-specific strategies, and maps out a 6-12 month restoration arc with specific score targets at each checkpoint.
$149/month charged only when verified progress is documented. Same standard, higher output.
Identity-theft document handling, mortgage-ready program, rapid rescoring, business credit building, or VIP/Rick Jefferson direct access. Those are Premium.
Lexington Law's comparable tier runs $139.95/month — charged upfront, no performance guarantee, no bilingual support, no ITIN specialization. Sky Blue Credit charges $99/month with a 90-day guarantee but no direct creditor intervention and no dedicated analyst. RJ Business Solutions delivers more, protects more, and only charges when results happen.
📊 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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