1–5 Eleman Negatif
Debaz ITIN Credit Repair
Pafè si ou gen kèk eleman ki pa kòrèk ki ap bese nòt kredi ITIN ou.
$99/mwa
$99 frè odit yon fwa + $29.99/mwa siveyans • Peye sèlman lè pwogrè verifye
Pafè si ou gen kèk eleman ki pa kòrèk ki ap bese nòt kredi ITIN ou.
$99 frè odit yon fwa + $29.99/mwa siveyans • Peye sèlman lè pwogrè verifye
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 Eleman Negatif
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
Anba FCRA, ECOA, CROA, FDCPA — ITIN ou ba ou menm dwa ak moun ki gen SSN.
ECOA entèdi diskriminasyon ki baze sou orijin nasyonal.
FCRA egzije ke biwo yo envestige kontestasyon ITIN menm jan ak SSN.
Kontra alekri, anilasyon 3 jou, pa gen frè davans.
Kolektè yo pa kapab trete dèt ITIN diferaman.
Rick Jefferson te fonde RJ Business Solutions ak yon misyon: asire ke chak moun ki gen ITIN nan Amerik konnen dwa kredi yo anba lwa federal.
Ak gwo ekspètiz nan FCRA, ECOA ak pwosedi kontestasyon ITIN, Rick te ede dè milye moun rekonstwi kredi yo.
"ITIN ou pa yon limitasyon — li se kle ou pou menm sistèm kredi a. Lalwa sou bò ou." — Rick Jefferson
Si nou pa ka montre okenn amelyorasyon verifye nan 90 jou, nou ranbouse tout frè. Pa gen kesyon. Pa gen kondisyon.
Chwazi plan ki bon pou ou. Chak plan gen menm pwoteksyon federal yo.
Antre enfòmasyon ou. W ap dirije nan peman sekirize.