These disclosures are provided in compliance with applicable federal and state laws, including the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), and other applicable regulations. Please read all disclosures carefully before using RJ Financial Readiness OS™.
If you have questions about any of these disclosures, contact us at support@rjbusinesssolutions.org before enrolling.
1 Credit Score Disclosure
Credit scores provided through RJ Financial Readiness OS™ are obtained from MyFreeScoreNow (MFSN) and are sourced from the three major credit bureaus: Equifax, Experian, and TransUnion.
Educational Purpose
Credit scores provided through the Service are intended for educational purposes only. These scores are designed to help you understand your general credit standing and monitor changes to your credit profile over time. They are not intended to be used to make any credit decisions.
Score Model Differences
Credit scores provided through the Service may use scoring models (such as VantageScore or proprietary educational scoring models) that differ from the FICO® Scores or other models used by lenders, creditors, insurers, landlords, or other third parties when making decisions about you. The credit score you see through the Service may be different — sometimes significantly different — from the score a lender uses when evaluating your application for credit.
Score Variability
Credit scores change frequently as the information in your credit reports changes. A score viewed today may be different from one viewed at a later date. Additionally, each of the three credit bureaus may report different information about you, which can result in different scores from each bureau.
Summary: Scores shown in this Service are for your education and monitoring purposes only. They may not match scores that lenders see when you apply for credit, loans, mortgages, or other products. There is no guarantee that your score as reported by the Service reflects the score used in any credit decision affecting you.
2 MFSN Partnership Disclosure
RJ Financial Readiness OS™ is powered in part by MyFreeScoreNow, Inc. (MFSN), an independent credit monitoring service provider. MFSN provides credit reports, credit scores, and credit monitoring data from Equifax, Experian, and TransUnion.
Separate Terms Apply
When you enroll in RJ Financial Readiness OS™, you will also be required to agree to MFSN's own Terms of Service and Privacy Policy in order to access credit monitoring features. The credit data, reports, and scores you access through the Service are governed by MFSN's separate terms and agreements with the credit bureaus.
MFSN Independence
MFSN is an independent third party. RJ Business Solutions does not own or control MFSN and is not responsible for MFSN's services, data accuracy, or practices beyond the scope of our partnership. Any issues with credit data accuracy, credit report access, or MFSN-specific features should be directed to MFSN's customer support in addition to our own support team.
Credit Bureau Relationships
Credit data is provided to MFSN by Equifax, Experian, and TransUnion under agreements between those bureaus and MFSN. RJ Business Solutions does not have a direct relationship with the credit bureaus for purposes of accessing your credit data. Your credit data is accessed on your behalf through MFSN with your express consent at enrollment.
3 Not a Credit Repair Organization
IMPORTANT NOTICE UNDER THE CREDIT REPAIR ORGANIZATIONS ACT (CROA): RJ Business Solutions is not a credit repair organization as defined under 15 U.S.C. § 1679a or under any similar state laws. We do not provide services for the purpose of improving any consumer's credit record, credit history, or credit rating for consideration. We do not offer to provide any service, in return for the payment of money or other valuable consideration, for the express purpose of improving your credit record, credit history, or credit rating, or providing advice or assistance to any consumer with regard to any activity or service described in the CROA.
What This Means
RJ Financial Readiness OS™ provides educational credit monitoring tools, analytical resources, and financial intelligence software. The Service is designed to help you monitor your credit profile, understand your credit standing, and make informed financial decisions through educational tools — not to repair, improve, or dispute credit items on your behalf as a credit repair organization would.
Dispute Workspace
The Advanced Dispute Workspace feature (available on select plans) provides member-controlled organizational tools to help you track, document, and manage your own legitimate dispute correspondence with credit bureaus and creditors. RJ Business Solutions does not prepare, send, or submit dispute letters on your behalf. You remain solely responsible for any disputes you choose to initiate, their content, and their truthfulness. Any dispute you initiate must be based on genuinely inaccurate, incomplete, or unverifiable information as defined under the Fair Credit Reporting Act (FCRA).
Your Rights Under CROA
You have a right to dispute inaccurate information in your credit report on your own, at no cost, directly with the credit bureaus (Equifax, Experian, and TransUnion) and with the original creditors. For more information about your rights under the FCRA, visit the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or the Federal Trade Commission (FTC) at ftc.gov.
4 No Guarantee of Results
RJ Business Solutions makes no guarantee, warranty, or representation — express or implied — that use of RJ Financial Readiness OS™ will result in any improvement to your credit score, credit profile, financial standing, or creditworthiness. Individual results vary based on factors entirely outside our control, including:
- Your individual credit history, current credit profile, and financial situation
- The accuracy and completeness of information reported to the credit bureaus by creditors and other data furnishers
- The outcome of any credit bureau investigation of disputes you initiate
- Your financial behaviors and decisions during and after use of the Service
- Changes in applicable laws, regulations, or credit bureau policies
- Lender-specific criteria and policies used in credit decisions
Any testimonials, case studies, or member results shown on our website or in our marketing materials are individual results of specific members and may not be typical or representative of what other members may experience. Results referenced are provided for illustrative purposes only.
5 Analytical Tools Disclosure
RJ Financial Readiness OS™ includes a suite of proprietary analytical and educational tools. These tools are provided for educational and informational purposes only. The following specific disclosures apply:
What-If Lab™
The What-If Lab™ is a credit scenario simulation tool that uses your current credit data to model hypothetical changes to your credit profile (such as paying down balances or opening new accounts) and estimate their potential effect on your credit score. Projections produced by the What-If Lab™ are estimates based on general credit scoring principles and are not predictions of actual score changes. Actual results may differ materially from What-If Lab™ projections.
Debt Optimizer™
The Debt Optimizer™ is a financial planning calculator that helps you model debt paydown strategies such as the avalanche method (highest interest first) or snowball method (lowest balance first). Debt Optimizer™ projections assume consistent, on-time payments and do not account for changes in interest rates, fees, missed payments, or other variables. Results are illustrative and not a guarantee of outcomes.
RJ Credit Health Index™
The RJ Credit Health Index™ is a proprietary composite score developed by RJ Business Solutions that aggregates multiple factors from your credit profile into a single indicator. It is an internal analytical metric and is not a FICO® Score, VantageScore, or any other industry-standard credit score. It is not used by lenders or creditors in any credit decision and should not be relied upon as such.
Credit Momentum™
Credit Momentum™ is an RJ Business Solutions analytical indicator that tracks directional trends in your credit profile over time. It is an educational metric only and does not represent or predict future credit bureau score changes.
Know Before You Apply™ Centers (Home, Auto, Funding)
The Know Before You Apply™ readiness centers provide educational guidance on credit thresholds and financial factors that are commonly associated with approval for mortgage, auto, credit, and funding products. This guidance is general and educational in nature. Actual approval criteria vary by lender, product, and individual circumstances. RJ Business Solutions cannot predict whether any individual application will be approved or denied by any lender.
Financial Digital Twin™
The Financial Digital Twin™ is an analytical model that uses your enrolled financial profile to project financial scenarios. It is an educational planning tool only and is not a substitute for advice from a licensed financial advisor, accountant, or attorney.
90-Day Credit Action Plan™
The 90-Day Credit Action Plan™ provides educational guidance and suggested action steps based on your credit profile. These suggestions are for informational and educational purposes only and are not personalized financial, legal, or credit advice. You should evaluate any suggested actions in light of your own circumstances before acting on them.
6 Financial Advice Disclaimer
Nothing in RJ Financial Readiness OS™, on our website, or in any communication from RJ Business Solutions constitutes legal, financial, tax, investment, or credit advice. All content provided through the Service is for general educational and informational purposes only.
The RJ AI Credit Coach™ provides general, educational responses based on credit and financial principles and the information in your enrolled profile. Responses from the AI Credit Coach are not personalized financial, legal, or tax advice, are not prepared by a licensed attorney, certified financial planner, or tax professional, and should not be relied upon as such. You should consult with appropriately licensed professionals before making any financial or legal decisions.
RJ Business Solutions is not a registered investment advisor, broker-dealer, attorney, or tax advisor. No content, tool, or communication from us should be interpreted as a solicitation to buy or sell any financial product or security.
7 Affiliate & Partner Disclosure
From time to time, RJ Financial Readiness OS™ may display or link to third-party products, services, or resources that we believe may be useful or relevant to our members (for example, mortgage lenders, financial products, or educational resources). When we display or recommend such third-party resources, we may receive compensation in the form of referral fees, commissions, or other consideration.
The existence of an affiliate or referral relationship does not imply our endorsement of any third-party product or service, nor does it affect the price you pay for such products or services. Our recommendations are based on our assessment of potential usefulness to members, but we cannot guarantee the quality, accuracy, or suitability of any third-party product or service for your specific needs.
You should independently evaluate any third-party product or service before making a purchase or entering into any agreement. Any transaction you complete with a third party is solely between you and that third party.
8 Billing Disclosure
The following billing terms apply to all RJ Financial Readiness OS™ membership plans:
Current Membership Pricing
| Plan | Monthly | Quarterly | Half-Yearly | Annual |
|---|---|---|---|---|
| Epic Pro — Credit Command Center | $39.95/mo | $107.87/qtr (~$35.96/mo) | $203.75/6mo (~$33.96/mo) | $383.52/yr (~$31.96/mo) |
| Pro Plus — Credit Accelerator | $67.95/mo | $183.47/qtr (~$61.16/mo) | $346.55/6mo (~$57.76/mo) | $652.32/yr (~$54.36/mo) |
| Ultimate Credit Suite — Financial Readiness OS™ | $99.95/mo | $269.87/qtr (~$89.96/mo) | $509.75/6mo (~$84.96/mo) | $959.52/yr (~$79.96/mo) |
Automatic Renewal
All memberships automatically renew at the end of each billing period. Your payment method on file will be charged for the applicable renewal amount on the renewal date unless you cancel prior to that date.
Cancellation Policy
You may cancel your membership at any time by contacting our support team at support@rjbusinesssolutions.org or through your member portal. Cancellation takes effect at the end of your current paid billing period. You will retain access to the Service through the end of the period for which you have paid.
Refund Policy
Membership fees are non-refundable for the current billing period. We do not provide prorated refunds for unused time within a billing period. If you believe a billing error has occurred on your account, please contact us within 30 days of the charge at support@rjbusinesssolutions.org and we will investigate promptly.
Pricing Changes
RJ Business Solutions reserves the right to change membership pricing at any time. We will provide at least 30 days' advance notice of any price change that affects your existing membership, communicated via email to the address on your account.
Payment Processing
Payments are processed securely by Stripe, Inc. We do not store payment card numbers on our servers. All payment processing is subject to Stripe's terms of service and privacy policy. Your billing statement may reflect a charge from "RJ Business Solutions" or an affiliated entity.
9 Contact Information
If you have questions about any of these disclosures, your rights, or our practices, please contact us:
- Email: support@rjbusinesssolutions.org
- Mail: RJ Business Solutions, 1342 NM 333, Tijeras, New Mexico 87059
- Website: rjbusinesssolutions.org
For issues specifically related to your MFSN credit monitoring account, credit reports, or credit scores, please also contact MFSN directly through the MFSN support channels provided at enrollment.
For disputes about information in your credit report, you may contact the credit bureaus directly:
- Equifax: equifax.com/personal/credit-report-services or 1-866-349-5191
- Experian: experian.com/help or 1-888-397-3742
- TransUnion: transunion.com/credit-disputes or 1-800-916-8800
You may also file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint or by calling 1-855-411-2372.