Renovação completa do arquivo ITIN — disputas máximas, analista dedicado, serviço prioritário.
$199 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: $199 | Monitoring: $29.99/mo | Designed for: 16+ Itens Negativos, identity-theft cases, mortgage goals, or business credit needs
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.
$199/month charged only when verified progress is documented. Same zero-risk standard.
Credit Saint's "Platinum" tier runs $179.99/month — charged upfront, no ITIN focus, no bilingual support, no business credit, no mortgage program, no direct founder access. The Credit Pros charges $149/month with an upfront $149 setup fee — same week you sign. RJ Premium charges the audit fee once, nothing more until you see results, and delivers a service architecture no competitor in this tier comes close to matching.
📊 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.