• (973) 564-0557

Credit Repair Service In Metuchen

Searching for a “done for you” credit restoration service that will help you fix your credit pronto? Look no further. If your credit’s gone “down the tubes”, call Poser!

  • Want your credit repaired fast? Do not let “monthly credit repair companies” take their time working on your credit.
  • With Poser Tubes Credit Repair, our company only bills you when items are eliminated from your credit report.
  • We’ll repair your credit as quick as possible, so you can continue with your important life investments.

fix my credit

Get A Free Credit Repair Quote

Call Today: (973) 564-0557

Individuals In Metuchen Have Had Their Credit Repaired. We Can Assist You Too!

Your Credit Will Be Restored ASAP

credit card

Pay For Performance

With our unique “pay per performance” model, you’ll only pay when negative units are eliminated from your credit report.

remove foreclosures credit

Over The Phone Credit Repair

Our credit repair company operates 100% remote, so you can work with us anywhere in New Jersey.

credit restoration service

Fix Your Credit Score

By getting rid of marks on your credit report, we can mend your credit score fast. Contact us today to get started!

Receive A Progress Report Every Month

You’ll know what damaging issues have been deleted from your credit, which items are in progress, and what the next actions are towards repairing your credit. We’ll also recommend a credit monitoring service that will show your credit rating building up, as we eliminate undesirable items from your records.

Below Is A Rundown Of Some Of The Major Issues We Repair, That Are Impacting Your Credit:

  • Judgements
  • Collections Accounts
  • Late payments
  • Foreclosures
  • Bankruptcies
  • Charge offs
  • Paid charge offs
  • Paid for less than the amount due


Poser Tubes Provides Services To Metuchen And Nearby Areas.

Metuchen (/məˈtʌtʃən/ mə-TUTCH-ən) is a suburban borough in Middlesex County, New Jersey, United States, which is 5 miles (8.0 km) northeast of New Brunswick, 13 miles (21 km) southwest of Newark, 17 miles (27 km) southwest of Jersey City, and 21 miles (34 km) southwest of Manhattan, all part of the New York metropolitan area. Metuchen is completely surrounded by Edison. As of the 2010 United States Census, the borough’s population was 13,574,[8][9][10] reflecting an increase of 734 (+5.7%) from the 12,840 counted in the 2000 Census, which had in turn increased by 36 (+0.3%) from the 12,804 counted in the 1990 Census.[21]

The process of restoring credit can be lengthy, and you need to not anticipate over night wonders. Individuals determine results in weeks, months and years rather than days, and it takes continual effort to make and keep a modification. With this in mind, a constant, identified method suggests that you can begin to see changes in your credit score within 3 to six months. During this time, you might see your number rise a small amount monthly, and lending institutions may be more available to dealing with you. It can take up to seven years for negative impacts such as late payments and collections to vanish from your credit file. The closer you get to this seven-year mark, the less the black dots ought to impact you. It is also essential to bear in mind that creditors look at a single missed out on payment more favorably than an account required to collections. That does not necessarily suggest that it will take you 7 years to repair your credit rating, merely that this is the point when your file will be truly clear. By working steadily to meet payments and clear debt, you can begin to see enhancements within six months to a year, and improvements can have a positive effect on your monetary choices.

Credit report are a difficult organisation, and not specifically governed by your financial obligations or payment history. Aspects such as a change of address, big purchases, or applications for new credit can all reduce your rating. Fortunately, some locations are more in your control than others.

  • Late payment is the most common reason for a rating to drop. If your payment is over 30 days late, a report goes to the credit bureaus, and they may tape-record a black mark versus your name.
  • Debt collectors can have an unfavorable effect on your score. If the balance on any of your accounts stays overdue, the company may pass the information onto a debt collectors, and your score is most likely to drop.
  • Credit applications can also damage your rating, specifically if you use to numerous lenders in a brief space of time. A lot of applications can trigger you to appear higher risk to prospective lenders as you may appear desperate to protect credit.
  • Expensive purchases made on a credit card can produce a lower score. As a general guideline, credit-card companies generally report the balance on the last day of a billing cycle. As a result, your balance can seem to be unusually high, which is a warning to your credit report. Slowing spending or settling a portion can normally help to redress the balance.
  • Lower credit limits are also a factor. If your credit limit is reduced, by either yourself or your provider, your credit utilization will immediately increase. Credit usage is your balance compared to your threshold, which will be affected by lowering the latter, which can decrease your rating.
  • Closing a credit card: While this might appear to be a contradiction, closing a charge card and using less credit can have an unfavorable influence on your credit rating. Fortunately, this drop is usually just momentary.

The concept of a great credit report can be subjective and might vary in between providers. In basic, the leading limitation is considered to be around 800-850, and those with ratings in this region are thought about to be outstanding. At the other end of the scale are those under 300– these are consumers with really poor credit who may be deemed a risk by potential lending institutions. In in between is where many people fall, and it is a wide spectrum. Most of credit scores are in the 600-750 range. Those at the lower end– roughly 300-579– are unlikely to be approved for credit or may be required to pay a cost or deposit before they obtain credit. This variety is thought about a Very Poor rating. Next up are the Fair consumers, whose scores tend to range from 580-669. They are considered subprime debtors, more likely to be accepted however missing out on the best deals. A rating of 660-739 will typically rank you as Good. The most common range, it is thought that just 8 percent of applicants in this classification will default or become overdue in case of being granted credit. On top end are Very Good candidates with ratings varying from 740-799. Remarkable applicants score anything over 800. Both of these are likely to get the very best rates from lending institutions and are almost ensured to get credit when they apply.

The most obvious method to enhance your credit rating is to make routine payments on your financial obligations. Home expenses and energies, credit cards, loans, home mortgages, and other types of credit consisted of. One of the crucial aspects to your credit rating is the amount you are crediting the card, and your balance, compared to the credit line. If you regularly sit near your limitation monthly, you might be destructive your credit history, even if you settle the total. The very best option is in fact to make 2 payments on your card each month, one before the statement closing date, and one after. The technique helps you to remain method under your limitation, and likewise reveals that you are making routine, a simple way to boost your score. Your credit rating is a delicate creature and needs devotion and determination. By making small adjustments and remaining committed, you can see your score grow with time, and even enter that desirable 800-plus club.

Credit Score Improved Or your Money Back

  • We guarantee that we will remove items from your credit history, thus improving your credit score.
  • If your credit doesn’t improve we will issue a full refund, guaranteed.
  • Call us today for a free quote, and let’s get started improving your credit.