Credit Repair Scams Targeting ITIN Holders: How to Protect Yourself
How to spot predatory credit repair companies targeting ITIN holders. Red flags, CROA violations, and what legitimate services look like.
This is a comprehensive guide for ITIN holders on credit repair scams targeting itin holders: how to protect yourself. Under federal law — specifically the Fair Credit Reporting Act (FCRA) and Equal Credit Opportunity Act (ECOA) — ITIN holders have the exact same credit dispute and reporting rights as SSN holders.
Key Takeaways
- ✓ All 3 credit bureaus (TransUnion, Equifax, Experian) accept ITIN numbers
- ✓ FCRA §611 guarantees your right to dispute inaccurate information
- ✓ ECOA prohibits national-origin discrimination in credit decisions
- ✓ Professional credit repair services can significantly accelerate results
Your Federal Rights as an ITIN Holder
The Fair Credit Reporting Act (FCRA) requires all credit reporting agencies to investigate disputes within 30 days (§611), maintain reasonable accuracy (§607), and allow consumers to place fraud alerts and freezes regardless of SSN or ITIN status.
The Equal Credit Opportunity Act (ECOA) makes it illegal for creditors and bureaus to discriminate based on national origin, race, or immigration status. Your ITIN credit file is entitled to the same treatment as any SSN file.
The Credit Repair Organizations Act (CROA) protects you when hiring credit repair services: written contracts required, 3-day cancellation right, and no advance fees until services are performed.
🧾 Ready for Professional Help?
RJ Business Solutions offers 3 ITIN credit repair plans — Basic ($99/mo), Professional ($149/mo), and Premium ($199/mo) — all performance-based with a 90-day money-back guarantee.
See All Plans →Get Started Today
Step 1: Enroll in MyFreeScoreNow credit monitoring ($29.99/mo) to activate your tri-bureau data feed.
Step 2: Choose your plan based on your number of negative items.
Step 3: Receive your forensic 3-bureau audit and 10-point restoration roadmap within 5 business days.