Financial Services for
ITIN Holders
RJ Business Solutions provides fully compliant credit building, credit repair, business funding, and financial education services for individuals with Individual Taxpayer Identification Numbers (ITINs).
What Is an ITIN?
Understanding your Individual Taxpayer Identification Number
IRS-Issued Tax Processing Number
An ITIN (Individual Taxpayer Identification Number) is a 9-digit tax processing number issued by the Internal Revenue Service (IRS) to individuals who are required to have a U.S. taxpayer identification number but are not eligible for a Social Security Number (SSN). ITINs begin with the number 9 and are formatted like SSNs (9XX-XX-XXXX).
Who Gets an ITIN?
- Non-resident aliens required to file a U.S. tax return
- U.S. resident aliens filing a tax return
- Dependents or spouses of U.S. citizens/resident aliens
- Dependents or spouses of non-resident alien visa holders
Important ITIN Disclaimers
- Not Work Authorization: An ITIN does not provide work authorization and cannot be used as proof of authorization to work in the United States.
- Not Immigration Status: An ITIN does not confer immigration status or change existing immigration status.
- Not SSN Eligible: An ITIN does not create eligibility for Social Security benefits.
- Tax Filing Only: ITINs are issued for federal tax filing purposes only per IRS requirements.
- Renewal Required: ITINs not used on a federal tax return for 3 consecutive years expire and must be renewed.
Our Services for ITIN Holders
Full-service financial solutions — no SSN required
ITIN Credit Building
Build credit history using your ITIN. We help you establish tradelines, secured credit cards, and credit-builder loans that report to all three bureaus — Experian, Equifax, and TransUnion.
ITIN Credit Repair
Dispute inaccurate, unverifiable, or unfair items on your ITIN-linked credit reports. We work within FCRA, FDCPA, and CROA guidelines to restore your credit profile.
ITIN Business Funding
Access business loans, lines of credit, SBA microloans, and merchant services using your ITIN. We connect you with ITIN-friendly lenders who evaluate your business — not just your SSN status.
ITIN Application Assistance
Need an ITIN? We guide you through the IRS W-7 application process, help gather required documentation, and connect you with IRS Certifying Acceptance Agents (CAAs).
Compliance & Education
All our ITIN services comply with IRS regulations, FCRA, CROA, FDCPA, and state consumer protection laws. We provide financial literacy education tailored to ITIN holders.
Bilingual Support
Servicio disponible en español. Our team provides consultations and support in both English and Spanish to ensure you fully understand every step of the process.
How ITIN Credit Building Works
Your step-by-step path to building credit with an ITIN
Free Consultation
We review your current credit situation, ITIN status, and financial goals during a free, confidential consultation.
Credit Report Analysis
We pull your ITIN-linked credit reports from Experian, Equifax, and TransUnion to identify opportunities and disputes.
Strategic Action Plan
We create a customized plan — credit building tradelines, dispute letters, secured credit applications, and ITIN-friendly lender introductions.
Ongoing Support
We monitor your progress, handle disputes, and adjust strategy as your credit profile strengthens. Average clients see 50-100+ point improvements.
Our Compliance Framework
We operate under strict federal and state regulatory guidelines
IRS ITIN Regulations
- Proper ITIN verification procedures
- No misrepresentation of ITIN purpose
- Compliance with IRS Publication 1915
- W-7 application guidance per IRS standards
- Annual ITIN renewal awareness
Credit Repair (CROA)
- Credit Repair Organizations Act compliance
- Written contracts with cancellation rights
- No upfront fees before services rendered
- 3-day right to cancel any contract
- No false or misleading representations
Fair Debt & Credit Reporting
- Fair Credit Reporting Act (FCRA) compliance
- Fair Debt Collection Practices Act (FDCPA)
- Right to dispute inaccurate information
- 30-day investigation requirements
- Identity theft protection procedures
State & Consumer Protection
- New Mexico consumer protection compliance
- FTC Act Section 5 adherence
- Gramm-Leach-Bliley Act (GLBA) data safeguards
- CCPA/state privacy law compliance
- Equal Credit Opportunity Act (ECOA) non-discrimination
Ready to Build Your Financial Future?
Whether you have an ITIN or SSN, RJ Business Solutions is here to help you build credit, repair your credit history, secure business funding, and achieve generational wealth.
Consultations are free, confidential, and available in English and Spanish. RJ Business Solutions, LLC | 1342 NM 333, Tijeras, New Mexico 87059 | support@rjbusinesssolutions.org