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Credit Repair Service In Short Hills

Need a “done for you” credit restoration company that can help you repair your credit fast? Look no further. If your credit’s gone “down the tubes”, call Poser!

  • Need your credit fixed fast? Don’t let “month-to-month credit repair providers” take their time working on your credit.
  • With Poser Tubes Credit Repair, our program only charges you when items are cleared away from your credit report.
  • We’ll repair your credit as quickly as possible, so you can continue with your meaningful life investments.

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Get A Free Credit Repair Quote

Call Today: (973) 564-0557

Clients In Short Hills Have Had Their Credit Repaired. We Want To Assist You Too!

Your Credit Will Be Repaired As Fast As Possible

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Pay For Performance

By having our special “pay per performance” model, you’ll only pay when negative items are removed from your credit report.

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Over The Phone Credit Repair

Our credit repair company operates 100% over the phone, so you can consult with us from anywhere in New Jersey.

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Fix Your Credit Score

By getting rid of blemishes on your credit report, we can correct your credit score fast. Contact us today to begin!

Get A Progress Report Monthly

You’ll know what negative issues have been removed from your credit, which items are in progress, and what the following steps are towards restoring your credit. We’ll also recommend a credit tracking solution that will show your credit rating increasing, as we get rid of damaging items from your history.

Here Is A List Of Some Of The Main Issues We Can Fix, 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 Short Hills And Surrounding Locations.

Short Hills is an unincorporated community and census-designated place (CDP) located within Millburn Township, in Essex County, New Jersey, United States.[7][8] It is a popular commuter town for residents who work in New York City.

It is notable for being an affluent community. The median listing price of its homes was $1.75 million in February 2012, according to a report in The Wall Street Journal, citing data from Zillow.[9] In 2014, Time magazine named it the “Richest Town in America” with seven in ten household incomes above $150,000 per year, the highest percentage in the United States. [10][11] In 2018 Bloomberg positioned Short Hills at fifth in the country in its 100 Richest places ranking, with an average household income of $354,479.[12] As of the 2010 United States Census, the CDP’s population was 13,165.[2]

The process of reconstructing credit can be prolonged, and you should not expect over night miracles. People measure lead to weeks, months and years rather than days, and it takes sustained effort to make and maintain a change. With this in mind, a steady, identified approach indicates that you can start to see modifications in your credit report within three to six months. During this time, you may see your number rise a small amount every month, and loan providers might be more open up to dealing with you. It can take up to seven years for unfavorable effects such as late payments and collections to disappear from your credit file. The closer you get to this seven-year mark, the less the black dots should impact you. It is also important to keep in mind that financial institutions look at a single missed payment more positively than an account taken to collections. That doesn’t always imply that it will take you 7 years to repair your credit rating, simply that this is the point when your file will be really clear. By working progressively to satisfy payments and clear debt, you can begin to see improvements within 6 months to a year, and improvements can have a positive effect on your financial alternatives.

Credit report are a difficult company, and not exclusively governed by your debts or payment history. Elements such as a modification of address, large purchases, or applications for new credit can all decrease your rating. Thankfully, some locations are more in your control than others.

  • Late payment is the most typical reason for a score to drop. If your payment is over 30 days late, a report goes to the credit bureaus, and they might tape-record a black mark against your name.
  • Debt collectors can have an unfavorable effect on your rating. If the balance on any of your accounts stays unpaid, the company may pass the details onto a debt collectors, and your score is most likely to drop.
  • Credit applications can likewise harm your rating, specifically if you apply to numerous financial institutions in a brief space of time. A lot of applications can cause you to appear higher danger to prospective lenders as you might appear desperate to secure credit.
  • Pricey purchases made on a credit card can produce a lower score. As a basic rule, credit-card providers typically report the balance on the last day of a billing cycle. As a result, your balance can appear to be unusually high, which is a red flag to your credit report. Slowing costs or paying off a portion can typically assist to redress the balance.
  • Lower credit line are also a factor. If your credit limit is lowered, by either yourself or your company, your credit usage will immediately increase. Credit utilization is your balance compared to your threshold, which will be affected by lowering the latter, which can reduce your score.
  • Closing a credit card: While this might appear to be a contradiction, closing a credit card and using less credit can have a negative effect on your credit score. Thankfully, this drop is generally only short-lived.

The idea of an excellent credit score can be subjective and might differ between suppliers. In basic, the leading limit is considered to be around 800-850, and those with ratings in this area are considered to be excellent. At the other end of the scale are those under 300– these are clients with very bad credit who may be considered a threat by potential lending institutions. In in between is where most people fall, and it is a large spectrum. Most of credit history are in the 600-750 variety. Those at the lower end– around 300-579– are not likely to be approved for credit or might be required to pay a fee or deposit prior to they get credit. This variety is considered a Very Poor rating. Next up are the Fair customers, whose ratings tend to vary from 580-669. They are considered subprime debtors, more likely to be accepted but missing out on the best offers. A score of 660-739 will normally rank you as Good. The most typical range, it is thought that just 8 percent of applicants in this category will default or become delinquent in case of being given credit. At the top end are Very Good applicants with ratings varying from 740-799. Remarkable applicants score anything over 800. Both of these are likely to receive the best rates from lenders and are nearly guaranteed to get credit when they apply.

The most apparent method to enhance your credit report is to make regular payments on your financial obligations. Family bills and utilities, credit cards, loans, mortgages, and other kinds of credit consisted of. Among the critical elements to your credit score is the amount you are crediting the card, and your balance, compared to the credit line. If you regularly sit near your limitation every month, you could be destructive your credit rating, even if you pay off the full amount. The very best service is in fact to make 2 payments on your card per month, one prior to the declaration closing date, and one after. The method helps you to stay way under your limit, and also shows that you are making routine, an easy method to increase your rating. Your credit score is a delicate animal and needs devotion and determination. By making small changes and remaining devoted, you can see your score grow with time, and even get in that desired 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.