Frequently Asked Questions

What are the advantages of using a Credit Specialist?
While there are many companies who brand themselves as credit repair organizations, most of them lack the breath of experience and expertise necessary to adequately represent your dispute efforts. Some of the specific advantages of using Your Credit Specialists are:

We can dispute claims directly with creditors.
We enforce your rights under the various federal and state credit laws.

On your behalf we can demand a creditor address and settle debts.
We research and keep current our knowledge of consumer laws and their changes, interpretations, and applicability of those laws.
We govern ourselves according to the rules and principles of professional conduct.
We practice the methodologies and structure like any law-practicing firm.
Your case will be reviewed by an attorney who will impose legal opinions when and if necessary.
Your confidentiality is protected by the attorney-client privilege.

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How long have you been doing credit report repair?
YCS Credit has a staff with over 25 years of combined experience, which have been repairing people's credit by challenging the credit reporting companies and the methods they use to blacken the credit of thousands of Americans. Using Lawyers, Accountants, Underwriters, Bankers and Repair Specialists, Your Credit Specialists demystifies the experience of credit repair. We employ innovative solutions and adhere to the laws and regulations that govern the credit reporting industry.

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How do you restore bad credit?
Once we've received your credit reports, we will analyze your credit history to identify items that are responsible for bringing your credit score down. Then we will draft letters to dispute the incomplete and inaccurate items on your behalf. Although we encourage consumers to dispute their own credit if they have the time and knowledge to do so, it is important to note that, according to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large part of dispute letters sent directly from consumers are rejected for one reason or another.

A disputed credit listing must be verified as accurate for it to remain on the credit report. If the credit listings contains an error, the credit bureau may simply correct the item, but very often, disputed credit items cannot be verified because either the creditor either no longer possesses necessary information or does not to go to the effort of verifying it. Furthermore, the investigation must be completed within 30 days or the listing must be removed. For these reasons, properly disputed credit listings are removed from your credit report with remarkable frequency. At the conclusion of the credit bureau's investigation, a new copy of the credit report is sent to you along with any deletions or improvements. You then provide us with a copy of the new credit report and the cycle repeats itself at strategic intervals.

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How long does it take?
Everyone wants to see results immediately. Although everyone's credit history is different, most people will see progress within the first 45 days of their membership. The majority of time is spent waiting for the credit bureaus to respond to requests. We take great effort in getting our disputes to the bureaus as fast as possible. As a reference, the average person with 7-10 inaccurate, misleading or obsolete items on each credit report should be prepared for a 12 month commitment.

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Do you guarantee results?
By law, no company can guarantee that they can have items removed from your credit reports, but we stand behind our services and, if you feel you do not see results, we will evaluate your account and you will receive a portion of your money back if appropriate progress with your case has not been made. We will use the formula of $75 per deleted item less your initial set up and processing fee. If your are billed three months at 79.95 and only one item has been removed, we will refund you $164.85.

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What if removed items reappear?
This happens occasionally either by accident or a creditor has eventually verified a particular item. This is what is known as a 'soft delete'. The FACTA (Fair Accurate Credit Transactions Act of 2003) has made it much more difficult for a creditor to replace an item once it has been removed. Your Credit Specialists will re-challenge the item with the full force of the prior removal in our favor.

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Is this legal?
Yes, you are given the right under the Fair Accurate Credit Transactions Act of 2003 (FACTA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. Your Credit Specialists uses every venue available to you under the law to help you assert these rights.

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How much does your service cost?
Submit the contact request form to speak to one of our analysts in customer service.

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What is a credit score?
Credit scores are based on the data in your credit report and are generated by computers using artificial intelligence. Usually a credit score is between the numbers 350 to 850. The higher your score, the more "creditworthy" you are to lenders.

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What is my credit score based on?
Credit scoring is based on many factors that may include:

Amount of available credit
Payment history
Recent requests for credit
Amount of credit currently being used
Length of credit history

Under the Equal Credit Opportunity Act, credit scoring may not use gender, martial status, national origin, race, or religion as factors.

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How can bad credit be deleted?
Negative credit listings are deleted from peoples' credit reports each and every day!

Your Credit Specialists is hard at work every day challenging damaging and questionable credit entries on belhalf of its clients. Utilizing proven and absolutely legal methods, Your Credit Specialists is a professional organization working for you and your credit.

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How is this done legally?
Disputing items on your credit report is your legal right (see the Fair Credit Reporting Act). When you use Your Credit Specialists to help repair your credit, we are abiding by and using all federal and regional laws regulating third party credit repair assistance.

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How much does bad credit cost?
The cost of credit repair is small compared to the cost of living with bad credit.

Below are a few examples of the cost of bad credit.
Auto Loan
If you are making vehicle payments, you are most likely paying between $4,000 and $10,000 more over the course of the loan just for having credit score issues. This added interest shows up every month in a higher payment.
Example:

$23,000 Vehicle Financed for 5 Years
Credit Status Rate Payment Interest Paid
High Credit Score 3% $413 $1,796
Slightly Damaged 9% $477 $5,646
Damaged 18% $584 $12,042
Home Loan

Damaged credit on a vehicle is nothing compared to the effect of damaged credit on a home loan. A typical home can cost between $180,000 and $300,000 more in interest of the 30 year loan, if you are buying the home with damaged credit. Example:

$120,000 home paid over 30 years:
Credit Status Rate Payment Interest Paid
High Credit Score 7% $798 $167,410
Slightly Damaged 9% $966 $227,596
Damaged 13% $1,327 $357,878


$190,000 home paid over 30 years:
Credit Status Rate Payment Interest Paid
High Credit Score 7% $1,264 $265,066
Slightly Damaged 9% $1,529 $360,361
Damaged 13% $2,1202 $566,640


Credit Cards
Usually you will not be unable to get an unsecured credit card with damaged credit. The accounts you may be approved for will typically have higher rates and low limits.

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Why Do I need to Pay My Bills?
When we delete a negative credit report listing, the actual debt remains. You still owe the same amount of money that you owed to begin with. If you don't pay the debt, the creditor or collection agency could always report the item again. So removing the listing without addressing the debt is only a temporary solution.


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