Our Services

testimonials

“I would of never of thought that I would be able to write a testimonial to you on your website. Before I used your credit repair services, I was unable to get approved for financing for a laptop. Now I am sitting in my new apartment typing to you on my own laptop. I appreciate all of your hard work! Who would have thought that it only took 60 days to correct my 34 years of credit reports.”

- Michelle W.
Brooklyn, New York



“YCS Credit, I am very grateful for everything that you have done for my wife and my self. After we got turned down for a mortgage on the new home we were looking to buy, we were depressed. My wife was 3 months pregnant and we wanted more then anything in the world to have provided our first born daughter with her own room. Well, once I spoke to your friendly agent on the phone I felt a sense of assurance. He had told me not to worry and that YSC Credit would save the day. Well after 90 days and 25 Deletions, we were approved for our mortgage and with a great rate! We are very thankful and will send you anyone that we meet that is need of your credit repair services.”

-Tammy and Joseph
From Newark to Englewood Cliffs, New Jersey



“I am writing you to say THANK YOU for changing my mind on how credit repair companies operate. I had used another one before; let's just say they are a law firm also.”

“I was very unhappy with their results and I felt like I was nothing more then an account code to them. It was a pleasure speaking to your personable agents each and every time I had called up. Well as you know my credit is looking great and I am almost done with your debt consolidation service also. I do not know where I would be with out your company. Because of you, I can almost forget about my 5 years of marriage that had not only wasted my time, but destroyed my credit.”

- Melissa S.
Philadelphia Pennsylvania



I am not sure if this is a first for you, but I am writing you this email from IRAQ. I have been a solider for the US ARMY for 3 years. During that period of time my credit went down hill. Someone had gotten a hold of my information and they had a ball! Well I wish I was living the lifestyle that my good name had brought them. You had told me from day 1 that it was not going to be an easy take, but after 6 months, it now looks like they had never even made one purchase. I appreciate all of the hard work that you have done. Now I have t he fraud alerts on all of my credit reports and have them frozen for the next year. I am glad that I get the best job in the world of protecting the United States, and YCS Credit is protecting my credit.”

- Amanda M.
In IRAQ but from Los Angles, California



“I was watching TV the one night and I saw the Better business bureau commercial. Who would have thought that I actually watched a commercial! I noticed your information in the advertisement and I gave you a call. You told me that it could take up to 45 days for the credit bureau to give the results from the first round of disputes. So I had signed up for the fico service to check when I got results on my credit reports. On the 32nd day I got a notification that there were changes to my report. I logged in and saw that my score went up 90 PTS!!!!!. I was so excited that I went out that night and finally=2 0got my dream car with out paying an arm and a leg in interest. All I can say is, Thanks guys! My Best wishes to your company.”

- Robert L.
Manalapan, New Jersey



“I was one of those kids in College that wanted to get a free gift when I signed up for a credit card. I never realized that my mistakes would haunt me the rest of my life. Well after using your service I am able to put my credit problems from the past in the past. Now only if you could pay off my student loans! Thanks for getting me past this roadblock that has been stopping me from acting like a college graduate.”

- Josh G.
Long Island, New York



“So I guess you can call me the guy on one of those funny credit report commercials that's on TV. I always had to drive a car that was 10 years old since my credit was wacked. It really hurt my situation with any new girls that I had met. I think it has been 3 months since I have been using your service and my score went up 120 pts. Very cool! I now have a car loan with a bank that you can actually see when you drive by. Oh besides that, I have a new girlfriend also! So you are my hero and I will try and refer some of my friends to you also. Thanks!”

- Vincent M.
Staten Island, New York



“I used to live life like I was some famous star on TV. Well that was when I went out on the weekends. To bad my day time job could not support my lifestyle. Thanks to your credit repair services I was able to fix some of the late payments and get rid of the charge offs from my credit report. I now spend some quiet nights at home and am working with your debt consolidation service to pay off any of the bills that I owe. Thank you for having my back.”

- Ashanti W.
Manhattan, New York

frequently asked questions

 

 

answer

 

Our Statistics
Many credit repair companies make bold, and sometimes false claims, in order to hype their results. Your Credit Specialists stands behind their services and does not resort to high-pressure salesmanship or bogus assertions. We provide our statistics frankly and with pride. We believe our numbers speak for themselves.
 
How It Works
Credit bureaus insist that individuals cannot repair their credit without waiting years for negatives items to be removed. Don't believe them. Your Credit Specialists's service has been doing this for over a decade and in that time we have found that through continually refining and redefining our strategies, we have secured methods that provide optimal performance. Although the details of the process change as new laws are passed and regulations are added, the underlying principle has remained virtually the same. Here are the four essential steps that make up the process of cleaning up your credit reports. These steps are repeated until you are satisfied with the results.

Step 1: We examine your credit reports.
You begin by forwarding copies of your credit reports to us from all three of the major credit bureaus. Keep in mind that the credit bureaus will only correspond directly with you, not your credit repair firm. These updated reports are crucial for us to see which items were removed successfully. Updated reports should be faxed or emailed to our office. Fax (732) 653-0238 Email processing@ycscredit.com mailing address 1480 Route 9 North, suite 208 Woodbridge, NJ 07095

Step 2: You tell us which items to dispute.
Someone from our firm will contact you within 24 hours of receiving your reports. Once we receive your credit reports our experts enter the information into our database. Using our online Dispute Valet service you choose which items to dispute. This is an easy process that involves simply checking off items you wish to dispute. There are helpful guides that will bring you through the process.

Step 3: Your Credit Specialists works your case.
Your Credit Specialists begins to dispute your items by using its arsenal of credit report repair strategies and experienced staff to challenge negative items directly with the credit bureaus. Depending on the number of negative items on your credit reports this step will be repeated for each subsequent loop through the cycle.

Step 4: Sit back and wait for results.
The credit bureaus have a reasonable amount of time usually 30 days to investigate your dispute. After that, they must inform you of the results of their investigation, update your credit report and send you a copy of the updated report. It usually takes 45 days between the day we send a dispute and you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to Your Credit Specialists to move your case forward. The cycle begins again, and we remove more negative items from your reports.
 
What You Get
Why Your Credit Specialists?
Good question. Here are six reasons we feel help set us apart from the competition, and continue to make Your Credit Specialists the clear choice in credit report repair for people across the country and from all walks of life.


Unlimited disputes
We will never charge you per dispute per bureau, the way some companies do. Getting charged three times for each and every dispute is ridiculous. Your Credit Specialists provides unlimited disputes at no additional charge. No questions asked.
Our Support Team
Our team of credit experts would like to hear from you. If you have a question that isn't answered in our Frequently Asked Questions section, or you would like to get in touch with a Your Credit Specialists representative please do not hesitate to contact us. We welcome your comments and feedback!

If you are an existing client or affiliate you may use our members entrance section on the main page. Individuals can access their current credit report and see progress as when correspondence is returned. .


No hidden fees
One charge covers the full range of our service, and you never have to worry about charges sneaking up on you. There is no fine print, no extra charge at any time.

Unlimited phone and email support
You can call us toll-free for phone support and use email support at absolutely no cost to you. Its our way of ensuring you get the best service we can provide.

Cancel anytime
There are no contracts that bind you to our service. If you are not satisfied, you may halt service at your discretion.
What It Costs
Please call (866) - 816 - 0304 to speak to one of our analysts for customer service.

Our clients have had removed an average of 75% of questionable items 50% by month three and 75% by year end.
Call now for a FREE Credit Consultation.