Renovación completa de archivo de crédito ITIN — disputas máximas, analista dedicado, servicio prioritario.
$199 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: $199 | Monitoring: $29.99/mo | Designed for: 16+ Elementos Negativos, 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
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.