Perfecto si tienes algunos elementos inexactos afectando tu puntaje de crédito ITIN.
$99 tarifa única de auditoría + $29.99/mes monitoreo • Solo paga cuando el progreso es verificado
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: $99 | Monitoring: $29.99/mo | Designed for: 1–5 Elementos Negativos
The heart of the Basic Plan is up to 15 statute-backed dispute letters per month, drafted with precision under FCRA §611 (right to reinvestigation), §623 (furnisher accuracy obligations), and §604 (permissible purpose challenges). These aren't generic templates — each letter is tailored to the specific account, bureau, and legal angle identified in your audit.
You receive a comprehensive monthly progress report detailing every dispute filed, every bureau response received, every item removed or updated, and your score trajectory across all three bureaus. Transparency is non-negotiable here.
Bilingual support (English & Spanish) is included — not an upgrade, not a fee. It's built in because Rick built this for communities that have historically been underserved by an industry that only speaks one language.
The Credit Education Library gives you access to guides, tools, and resources covering credit-building strategies, understanding your rights as an ITIN holder, how to read your credit report, secured card strategies, and more.
Full Compliance Coverage: CROA, FCRA (§§ 604, 605, 611, 623), FDCPA, FCBA, FTC Telemarketing Sales Rule, CFPB guidelines, ECOA/Regulation B (ITIN anti-discrimination protections).
The $99 monthly fee is charged only when verifiable progress is documented — a deletion, a correction, a score increase, or a substantive bureau/creditor response. No progress = no charge. Period.
Creditor negotiations, goodwill letter campaigns, pay-for-delete negotiations, credit-building guidance, identity-theft document handling, mortgage-ready program, rapid rescoring, or VIP concierge access. Those live in Professional and Premium.
Most credit repair companies charge $79–$129/month for similar tier services — but they charge you upfront, lock you into contracts, and send the same boilerplate letters to every client. RJ Business Solutions charges nothing until you see results and tailors every dispute to your specific legal situation.
📊 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
Bajo FCRA, ECOA, CROA, FDCPA — tu ITIN te da los mismos derechos que los titulares de SSN.
ECOA prohíbe discriminación por origen nacional. Tu archivo ITIN tiene igualdad de derechos.
FCRA requiere que las agencias investiguen disputas ITIN igual que las de SSN.
Contrato por escrito, cancelación de 3 días, sin cargos anticipados hasta que los servicios se realicen.
Los cobradores no pueden tratar deudas ITIN de forma diferente. Se aplican todos los derechos de validación.
Rick Jefferson fundó RJ Business Solutions con una misión: asegurar que cada titular de ITIN en América conozca sus derechos crediticios bajo la ley federal.
Con profunda experiencia en FCRA, ECOA y procedimientos de disputa ITIN específicos por agencia, Rick ha ayudado a miles de titulares de ITIN a impugnar elementos inexactos y reconstruir sus archivos de crédito.
"Tu ITIN no es una limitación — es tu llave al mismo sistema crediticio que usan los titulares de SSN. La ley está de tu lado." — Rick Jefferson
Si no podemos mostrar una sola mejora verificada en 90 días, te devolvemos cada tarifa. Sin preguntas. Sin condiciones.
Elige el plan que se ajuste a tu situación. Cada plan incluye las mismas protecciones federales.
Ingresa tu información. Serás dirigido al pago seguro después de enviar.