Twa (3) biwo kredi yo — TransUnion, Equifax ak Experian — aksepte nimewo ITIN. Anba FCRA ak ECOA, ou gen menm dwa kontestasyon ak moun ki gen SSN. Chwazi plan ki bon pou sitiyasyon ou.
Chwazi Plan Ou →Sèlman 12 plas ki rete mwa sa a
The credit repair industry is a $7.31 billion space crawling with companies that charge you upfront, ghost you after month one, speak zero Spanish, and have never heard the word "ITIN." Rick Jefferson built RJ Business Solutions specifically to flip that script.
Every package is performance-based (you don't pay monthly fees until progress is verified), fully FCRA + ECOA compliant, bilingual, and designed with ITIN holders at the center of the strategy — not as an afterthought.
📊 $29.99/mo — Required before audit begins
Activate Credit Monitoring →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.
Chak plan gen ladan pwoteksyon FCRA + ECOA, pwosedi kontestasyon ITIN espesifik pou chak biwo, ak garanti ranbousman 90 jou nou.
Pafè si ou gen kèk eleman ki pa kòrèk ki ap bese nòt kredi ITIN ou.
The $99 monthly fee is charged only when verifiable progress is documented. No progress = no charge. Period.
Kòmanse Debaz →$99 frè odit yon fwa + $29.99/mwa siveyans
Pou moun ki gen ITIN ak domaj kredi modere ki bezwen kontestasyon agresif.
$149/month charged only when verified progress is documented. Same standard, higher output.
Kòmanse Pwofesyonèl →$149 frè odit yon fwa + $29.99/mwa siveyans
Renovasyon konplè dosye ITIN — kontestasyon maksimòm, analis dedye, sèvis priyorite.
$199/month charged only when verified progress is documented. Same zero-risk standard.
Kòmanse Premium →$199 frè odit yon fwa + $29.99/mwa siveyans
✓ Garanti Ranbousman 90 Jou • ✓ Peye sèlman lè pwogrè verifye
| Feature | Debaz $99 | Pwofesyonèl $149 | Premium $199 |
|---|---|---|---|
| Negative Items | 1–5 | 6–15 | 16+ |
| Disputes/Month | 15 | 25 | 40 |
| One-Time Audit | $99 | $149 | $199 |
| Monitoring (Required) | $29.99/mo | $29.99/mo | $29.99/mo |
| Forensic 3-Bureau Audit | ✅ | ✅ | ✅ |
| 10-Point Roadmap | ✅ | ✅ Enhanced | ✅ Full |
| Progress Reports | Monthly | Bi-Weekly | Weekly |
| Bilingual Support | ✅ EN/ES | ✅ EN/ES | ✅ All |
| Dedicated Credit Analyst | ❌ | ✅ | ✅ |
| Direct Creditor Intervention | ❌ | ✅ | ✅ |
| Goodwill Letter Campaigns | ❌ | ✅ | ✅ Expanded |
| Pay-for-Delete Negotiations | ❌ | ✅ | ✅ |
| Legal Demand Letters | ❌ | ❌ | ✅ |
| Identity-Theft Doc Submission | ❌ | ❌ | ✅ w/ Waiver |
| Mortgage-Ready Program | ❌ | ❌ | ✅ |
| Rapid Rescoring | ❌ | ❌ | ✅ |
| Business Credit Building | ❌ | ❌ | ✅ |
| VIP Concierge / Rick Access | ❌ | ❌ | ✅ |
| 90-Day Money-Back Guarantee | ✅ | ✅ | ✅ |
| Pay Only When Progress Verified | ✅ | ✅ | ✅ |
📊 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.
Chwazi Plan Ou Kounye a →