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
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.
"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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