Everything ITIN holders need to know about credit repair rights, plans, billing, and guarantees.
Puis-je vraiment réparer mon crédit avec un ITIN?
Oui. Les trois bureaux acceptent les ITIN. Sous FCRA et ECOA, vous avez les mêmes droits.
Quelle est la différence entre les plans?
Basique: 1–5 éléments. Professionnel: 6–15 éléments. Premium: 16+ éléments avec service prioritaire.
Quand suis-je facturé?
Les frais d'audit sont uniques. Les frais mensuels uniquement quand le progrès est vérifié.
Qu'est-ce que MyFreeScoreNow?
MyFreeScoreNow ($29.99/mois) est un service de surveillance qui accepte les ITIN.
Et si je ne vois pas de résultats?
Garantie de 90 jours. Pas d'amélioration vérifiée = remboursement complet.
Puis-je annuler à tout moment?
Annulation en 3 jours ouvrables sous CROA. Après, annulez mensuellement sans pénalité.
What languages do you support?
All communications, dispute letters, and client support are available in English and Spanish. Our website is available in 5 languages: English, Spanish, Portuguese, French, and Haitian Creole.
Do I need an SSN to use your services?
No. Our services are specifically designed for ITIN holders. All three major credit bureaus (TransUnion, Equifax, Experian) accept ITIN numbers. Under FCRA and ECOA, you have the exact same dispute rights as SSN holders.
How long does credit repair typically take?
Results vary by credit profile complexity. Simple files (1-5 items) may see results in 30-60 days. Complex profiles (16+ items) typically require 6-12 months of active dispute work. Your forensic audit provides a detailed timeline projection.
Is credit repair legal?
Absolutely. Credit repair is your federal right under the Fair Credit Reporting Act (FCRA). The Credit Repair Organizations Act (CROA) regulates companies like ours to protect consumers. You have the legal right to dispute any inaccurate, incomplete, or unverifiable information on your credit report.