Limited Spots Available This Month — Only 12 Remaining

Have an ITIN? You HaveFull Credit Repair Rights

All three credit bureaus — TransUnion, Equifax, and Experian — accept ITIN numbers. Under the FCRA and ECOA, you have the exact same dispute rights as SSN holders. We use federal law to challenge every inaccurate item on your ITIN credit file — and you don't pay a cent until something actually gets removed.

ITIN credit repair hero banner featuring Rick Jefferson - fix your credit with an ITIN number, all 3 bureaus accept ITINs, FCRA and ECOA protected, $99 basic plan

✓ Works With ITIN — No SSN Needed ✓ All 3 Bureaus Accept ITINs ✓ FCRA + ECOA Protected ✓ No Pay Until Progress ✓ 90-Day Money Back ✓ Starts at $99

⚡ Enrollment Closes In

Hours

Minutes

Seconds

+ $29.99/mo credit monitoring required • One-time $99 audit fee • Only billed when progress is made

Limited Spots Available This Month - Only 12 Remaining

12 of 24

Sound Familiar? ITIN Credit Holders Face These Every Day

Having an ITIN doesn't mean you have fewer rights — but the system makes it feel that way. We fix that.

Bilingual ITIN credit repair support split-screen showing English and Spanish service - RJ Business Solutions helps ITIN holders in both languages

Told "we can't help you" because you have an ITIN

Wrong. Under ECOA (15 U.S.C. § 1691), creditors cannot discriminate based on national origin. Your ITIN file has the same rights.

Collections or errors reporting on your ITIN credit file

Bureaus accept ITINs — and the FCRA requires them to investigate disputes from ITIN holders the same as SSN holders.

Can't get approved for a mortgage, auto loan, or credit card

Inaccurate negatives on your ITIN file block approvals. ITIN loans exist — but only if your report is clean.

Don't know how to dispute with an ITIN number

Bureaus have different ITIN dispute procedures. We know exactly how to file with TransUnion, Equifax, and Experian using your ITIN.

Everything You Get With The ITIN Basic Plan

Credit repair built specifically for ITIN holders. We know the bureau-specific ITIN procedures, the federal laws that protect you, and exactly how to get results.

$199 Value

Forensic 3-Bureau ITIN Credit Audit

Your full ITIN credit file across TransUnion, Equifax, and Experian — every tradeline, inquiry, and public record reviewed against FCRA accuracy standards using your ITIN number.

$149 Value

ITIN-Specific Restoration Roadmap

Custom strategy built for ITIN credit files. We know which bureaus require mail-in disputes for ITIN holders vs. online, and we map your 30/60/90-day milestones accordingly.

$297 Value

Up to 15 Statute-Specific Disputes/Mo

Personalized dispute letters citing FCRA §611, §623, §605 and ECOA protections — filed with each bureau using their ITIN-specific dispute procedures.

$99 Value

Monthly ITIN Credit Progress Reports

Documentation of every bureau response, deletion, correction, and score change on your ITIN credit file delivered each billing cycle.

$79 Value

Bilingual Support (English & Spanish)

Direct access with guaranteed one-business-day response. Our team communicates in both English and Spanish to ensure nothing gets lost in translation.

$49 Value

ITIN Credit Building Library

How to build credit with an ITIN, secured cards that accept ITINs, ITIN mortgage readiness, utilization strategy, and credit maintenance protocols.

Total Value of Everything Above

$872

You Pay Just

$99/month

+ $99 one-time audit fee + $29.99/mo monitoring
Billed only when verifiable progress is made

How ITIN Credit Repair Works

Activate MyFreeScoreNow Monitoring ($29.99/mo)

Enroll using your ITIN — MyFreeScoreNow accepts ITIN numbers. This gives us live tri-bureau visibility into your ITIN credit file to track every deletion, change, and score movement.

Pay Your One-Time Audit Fee ($99)

We pull and analyze your complete ITIN credit file across all 3 bureaus. Your forensic audit + ITIN-specific restoration roadmap are delivered within 24–48 hours.

Review Your ITIN Credit Audit & Roadmap

Before a single dispute goes out, you see exactly what's on your ITIN file, what's challengeable, and our strategy for each bureau's ITIN-specific dispute process.

We File ITIN-Specific Bureau Disputes

Personalized letters citing FCRA §611, §623, §605 and ECOA §1691 protections. Filed using each bureau's ITIN dispute procedures — some require mail-in, some accept online. We handle it all.

You're Only Billed When Things Move

Documented deletions, corrections, or verified score improvements on your ITIN credit file = your $99 monthly fee. Nothing moved? Not billed. Period.

🔒 ITIN Holders Have Full Federal Protection — Here's the Law

ECOA Protected (15 U.S.C. § 1691)

The Equal Credit Opportunity Act prohibits discrimination based on national origin. Creditors and bureaus cannot treat your ITIN file differently than an SSN file.

FCRA — Same Rights, Same Law

Under the FCRA, ITIN holders have the exact same dispute rights as SSN holders. §611, §623, §605 — all apply to your ITIN credit file. 30-day investigation windows enforced.

CROA Compliant

Written contract provided. 3-day cancellation right honored. No advance fees charged until services are performed. Full consumer disclosure per 15 U.S.C. § 1679c.

FDCPA Enforced

Collection accounts on your ITIN file challenged under FDCPA. Debt validation rights (15 U.S.C. § 1692g) cited. Collectors cannot discriminate based on ITIN status.

TSR + FTC + CFPB Aligned

No advance fees per TSR. Section 5 FTC Act compliant. CFPB Regulation V and F procedures followed for all ITIN disputes.

State Law Compliant

New Mexico Unfair Practices Act compliant. State cancellation rights honored. ITIN holders receive all applicable state protections.

Full legal disclosures: Legal & Compliance • Consumer Rights • Cancellation Policy

Ready to Clean Up Your ITIN Credit File?

Your ITIN gives you credit rights under federal law. Start with your $99 audit — see exactly what's on your ITIN file across all 3 bureaus. Then watch us legally challenge every inaccurate item — and only pay when we get results.

90-Day Money-Back Guarantee

If we can't show a single verified improvement in 90 days, you get every package fee back. No questions. No conditions. No runaround.

$99 audit fee + $29.99/mo monitoring to start. Monthly $99 fee only charged when progress is verified.
Cancel anytime within 3 business days per CROA rights.

Start Your Basic Plan

Enter your info below. After submitting, you'll be directed to secure payment for your $99 forensic audit.