Perfeito se você tem alguns itens imprecisos afetando seu score de crédito ITIN.
$99 taxa única de auditoria + $29.99/mês monitoramento • Pague apenas quando o progresso for verificado
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 Itens Negativos
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
Sob FCRA, ECOA, CROA, FDCPA — seu ITIN dá os mesmos direitos que portadores de SSN.
ECOA proíbe discriminação por origem nacional. Seu arquivo ITIN tem direitos iguais.
FCRA exige que agências investiguem disputas ITIN da mesma forma que SSN.
Contrato por escrito, cancelamento de 3 dias, sem taxas antecipadas.
Cobradores não podem tratar dívidas ITIN de forma diferente.
Rick Jefferson fundou a RJ Business Solutions com uma missão: garantir que cada portador de ITIN na América conheça seus direitos de crédito.
Com profunda expertise em FCRA, ECOA e procedimentos de disputa ITIN, Rick ajudou milhares a reconstruir seus créditos.
"Seu ITIN não é uma limitação — é sua chave para o mesmo sistema de crédito. A lei está do seu lado." — Rick Jefferson
Se não pudermos mostrar nenhuma melhoria verificada em 90 dias, devolvemos cada taxa. Sem perguntas.
Escolha o plano. Cada um inclui as mesmas proteções federais.
Insira suas informações. Você será direcionado ao pagamento seguro.