Premium ITIN Credit Repair

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.