Step one, before your free analysis

Pull your three credit reports.

We work from what Equifax, Experian and TransUnion actually hold on you — not from memory, and not from a single score. How you pull those reports depends on which taxpayer number your credit file is built on, so pick the route below that matches you.

Social Security number

I have an SSN

For anyone whose credit file is under a Social Security number.

Pull all three bureaus in one place through SmartCredit, our monitoring partner. You get your Equifax, Experian and TransUnion reports side by side, plus your scores and alerts when something on a report changes — which is how we track each dispute round.

All three bureau reports and scores in a single dashboard
Refreshes as items are removed, so you see the work land
Have your SSN, date of birth and current address ready
Takes about 10 minutes — then bring it to your free analysis

Pull my reports with SmartCredit Book my free analysis first

JROJAS LLC is a SmartCredit affiliate partner. If you sign up through this link we may earn a commission, at no additional cost to you. SmartCredit is a monitoring and education service, separate from our credit repair work and not a requirement of it.

ITIN

I have an ITIN

For anyone filing with an Individual Taxpayer Identification Number instead of an SSN.

An ITIN credit file is real and it is protected by the same law — it is simply pulled through a service that accepts an ITIN, since most consumer portals ask for an SSN and stop there. We use a separate route for this so you are not turned away at the first screen.

Built for ITIN holders — no Social Security number needed
The same Fair Credit Reporting Act rights and the same disputes
Have your ITIN letter, date of birth and current address ready
Not sure what is on file yet? We check with you on the call

ITIN report link coming shortly. It is being finalised with our provider. In the meantime, book your free analysis or message us and we will pull your file with you, step by step, in English, Portuguese, French or Spanish.

Book my free analysis WhatsApp us about ITIN reports

Not sure which one applies to you? If you have ever been issued a Social Security number — including through work authorisation — your credit file is most likely under it, so take the SSN route. If you file taxes with a nine-digit number that starts with a 9 and you have never had an SSN, that is an ITIN.

Still unsure, or you think you may have a file under both? Call or WhatsApp and we will work it out with you in two minutes. Nothing is charged for that.

Same work, either route

What happens after you pull them

The route only changes how the reports reach us. Everything after that is identical.

Stage	SSN holders	ITIN holders
Pulling your reports	Through our SmartCredit partner link, all three bureaus at once.	Through an ITIN-friendly provider, or with us on the call.
Free credit analysis	20 minutes by phone, item by item.	20 minutes by phone, item by item.
Disputes filed	Equifax, Experian and TransUnion, plus the creditor or collector.	Equifax, Experian and TransUnion, plus the creditor or collector.
What it costs up front	Nothing. Federal law forbids advance fees.	Nothing. Federal law forbids advance fees.
Languages

Rather just talk first? You do not need your reports in hand to book. We are open on , by WhatsApp on the same number, and at .

Book a free 20-minute call