Credit Repair Services by Poser Tubes
Poser Tubes is a credit repair company that employs the use of legal, moral and ethical means to help you regain you're good credit score. If you've been turned down for a loan, credit card, car lease or even a home mortgage, come to Poser Tubes. We Guarantee 100% of your Money Back if we can't get your desired result. Repair your credit score. Call us today!
Need your credit repaired professionally? call Poser Today!
About Poser Tubes
Credit Repair Services such as Poser Tubes are designed to help you improve your credit score. They can be used as a tool for improving your financial situation, or they may also be used by creditors and collection agencies in order to collect debts that have been reported to them. Credit repair companies will often use the information provided on your credit report to determine whether it’s worth their time pursuing collections against you.
If you have errors on your credit report, which 34% of consumers do, according to a Consumer Reports study, you may want help to get it back on track. While you can repair credit reporting errors on your own and save money in the process, there are dedicated credit repair companies that can step in to help. While the success of credit repair companies is not guaranteed, this can make disputing errors and contacting each credit bureau a more pain-free experience.
It’s crucial to have a good credit score because lenders use it to help determine if you qualify for loans, mortgages and credit cards; landlords may also use it when reviewing a rental application. The best credit repair companies can help you resolve negative information or errors on your credit report. When comparing credit repair companies, look for one that is reliable, effective, affordable and that has good customer service.
Posertubes - The ultimate CREDIT REPAIR Services to fix your credit
Your Credit score is a combination of your credit history and your credit report . It has a few different prices, each with its own score. Your credit report is a collection of information about you, your financial history, and your credit standing. Your credit score is a composite of all the credit scores you have received from lenders, from various different agencies that conduct research into your credit history. Credit reports from all of the different agencies that conduct research into your credit history are complied into a composite score of your entire credit history, which is then used to estimate the likelihood that you will default on a loan. In other words , its a snapshot of what you have been able to repay , on an average basis for the past few years.
And at Poser tubes , We provide an excellent service to our clients who need to get rid of bad debt fast! Our company offers affordable solutions to those who want to remove negative items from their credit file. If you're looking for ways to boost your credit rating, we offer free consultation services so that you can learn how to do this yourself. You don't even need to pay us anything if you decide not to hire us after consulting with us.
We're here to make sure you get the best results possible when fixing your bad credit! We've been helping people like you since 2005 and understand how frustrating it can be to try to tackle all these issues alone. Our goal is to give you the tools needed to achieve success in repairing your credit fast.
What is credit repair?
Credit repair is the process of improving a poor credit score by addressing or removing negative items that could be listed on your reports inaccurately. Although the Fair Credit Reporting Act outlined the right for Americans to have accurate credit reports, credit reporting agencies require you to navigate complicated online systems and send a series of formal dispute letters in order to fix your credit.
While you can repair your credit on your own, navigating the process could become tricky if you have multiple errors on your report. If this is the case, hiring a credit repair company can help.
How does credit repair work?
Credit repair is a multistep process that focuses on auditing your credit report and finding and disputing errors. Here are the basic steps we take to repair your credit:
Credit report analysis
We obtain your credit report and create a plan targeting the questionable negative items affecting your credit score.
Credit disputing
Our team will send the appropriate correspondence to dispute and challenge the inaccurate negative items on your behalf.
Dispute escalating
For negative items requiring additional correspondence, we keep the process going and ensure your credit rights are fairly represented.
Credit score analysis and mentoring
Through the online portal and app, we offer 24/7 access to your credit score analyses and credit counseling solutions to help you reach your credit goals.
FAQS
When is credit repair useful?
Credit repair is useful when your poor credit score is preventing you from qualifying for a mortgage, car loan or any other qualifying line of credit. When you have a low credit score, you’re often hit with higher interest rates and finance charges. Repairing your credit can help you qualify for a competitive rate while lowering the amount of interest you’ll end up paying over time.
The good news is bad credit doesn’t have to follow you for life. Taking the needed steps to repair your credit and maintain healthy financial habits can help restore your poor credit.
How long does credit repair take?
Unfortunately, there’s no way to predict how long it will take to repair your credit, as every credit report is unique. Credit bureaus are required to respond and resolve credit disputes within 30 days—sometimes 45 days in special circumstances. Though that seems like a short timeline, the average consumer may have multiple errors that need to be disputed, so it could end up taking anywhere from three to six months.
If you’re disputing the errors yourself, you’ll need some time to download and review your reports, gather all necessary financial documentation and draft the actual dispute letters. Once those are submitted to the credit bureaus—either by mail or online—the typical 30-day process will begin.
Learn how to fix your credit score
If you want to improve your credit score, there are several ways to do it. You should start by making sure that you're aware of what's affecting your score. Then, take steps to correct any problems. Here are some tips from Experian:
• Paying down debts – Make sure that you keep track of every single charge made on your credit card so that you know exactly where you stand financially. Once you've paid off an outstanding balance, write it off as a deduction on your taxes.
• Keeping up with monthly payments – When you miss a payment, contact your creditor immediately to explain why you haven't been keeping up with your obligations. Don't wait until after the fact; if they find out later, they'll likely ding your score.
• Avoiding collections – If you fall behind on your mortgage or car loan payments, call your lender right away to let them know. They might offer you additional incentives to help you catch up before things go too far.
• Monitoring your credit reports regularly – Every three months, check your credit reports at www.annualcreditreport.com. Look for errors and inaccuracies. If something seems amiss, dispute it promptly.
What do credit repair companies do?
Credit repair Companies help you dispute inaccuracies on your reports with credit bureaus and creditors to help improve your credit score, while also helping you understand your credit standing. Since some credit situations are more complex than others, credit repair companies can help you resolve credit issues that would otherwise be hard to do on your own.
Credit repair companies will start by pulling your credit reports from the three major credit bureaus—TransUnion®, Experian® and Equifax®. Since some credit agencies only report to one credit bureau, there may be errors on one report that won’t appear on another, which is why it’s important for credit repair companies to pull all three.
When reviewing your credit reports, credit repair companies will look for the following errors:
- Incorrect inquiries
- Inaccurate accounts
- Accounts that don’t belong to you
- Duplicate accounts
- Delinquencies and derogatory marks
- Fraudulent activity
- Missing accounts that should be listed on your reports
Once they’ve identified these errors, they may ask for extra documentation to help prove the inaccuracies. With all the necessary information, they’ll file the disputes and work with the credit bureaus to resolve the issues.
These companies will also help answer any questions you may have about your credit and once the errors have been disputed, they’ll provide you with information on strategies you can use to help keep a healthy credit profile.
How to know if a credit repair company is legitimate?
While there are many legitimate credit repair companies , the industry is also filled with its fair share of scammers. Doing thorough research on the companies you’re looking to work with can save you time and money. To verify a credit repair company’s legitimacy, you’ll need to know what they’re legally allowed to do and not do.
The Credit Repair Organizations Act (CROA) was put into place to help regulate the industry and protect consumers from illegal credit repair scams. Under CROA, credit repair companies are not allowed to guarantee the removal of negative items, cannot offer to create a new credit profile for you and cannot accept payment until after the services have been completed.
When determining good credit repair companies from bad ones, look out for the following red flags:
- They request payment up front. All payments must be made after the services have been completed.
- They’re unable to answer your questions. Legitimate companies will provide answers to any and all questions that may arise.
- They ask you to lie about your credit history. Under CROA, companies are prohibited from asking you to lie or misrepresent your information.
- They fail to provide information. Reputable companies will always inform you of your rights as a consumer.
How do credit repair companies get items removed?
They use various methods including but not limited to:
• Negotiating settlements directly with lenders.
• Disputing information reported about them.
• Requesting that certain types of accounts be closed.
• Making sure there's no derogatory mark left on any public record such as court records or tax filings.
• Getting rid of collections notices.
• Removing liens placed on property.
• Obtaining judgments against individuals.
What can be removed with credit repair?
Anything and everything! It depends on whether the company has access to your report. Some will say anything while others won’t even look into it unless you ask them to. Most companies offer free consultations to discuss your situation. Once they determine if they can help you, they'll send over a proposal outlining exactly what needs to be done. After reviewing the plan, you decide if you'd like to proceed.
What is the need for Credit repair?
When we apply for a loan, our lender will check our credit report. They may even ask us questions like "Have you ever missed making a payment?" or "Are you currently behind on any debts?". Based on what information is available from our credit report, lenders decide whether or not to approve our application.
However, sometimes mistakes happen. We forget to pay a bill, or maybe we have too many outstanding balances. When this happens, our credit scores drop. This means that future applications for loans will be denied because our credit history isn't good enough. If we don't correct our situation quickly, we could end up paying higher interest rates than necessary.
How can I repair my credit myself?
If the number of errors on your credit report is below average, fixing credit yourself could end up being a free alternative. When fixing your credit you’ll want to download a copy of your credit report from each of the three credit bureaus. By law, each credit bureau is required to give you one free credit report per year.
Once you have your credit report, you’ll want to review it for any discrepancies and negative items, and gather all of the documentation needed to build your case before filing a dispute. There are a few ways you can go about filing a dispute:
- Submit a letter of dispute to the credit bureaus
- Contact the business that reported the error to the credit bureau
- Send a pay for delete letter to your creditor
- Send a good will letter to your creditor
- Send a 609 dispute letter to the credit bureaus
Make on-time payments
Payment history is one of the most influential factors contributing to your credit score. Most credit agencies will report late payments once you are more than 30 days late. One late payment could lower your credit score by 90 or more points.
Once a late payment is on your report, it can typically stay there for up to seven years. Not only does this affect your credit score, but it can affect your ability to get new lines of credit.
-
Keep balances low
It’s recommended to keep your credit card balances at or below 30 percent of your credit limit. If you go above that threshold, you could start to see a decline in your credit score. Credit utilization makes up 30 percent of your credit score—that is the total amount of debt you have compared to your credit limit. So keeping your credit balances low will help you maintain a healthy score.
-
Limit your credit inquiries
Too many credit inquiries can negatively impact your credit score, so it’s best to limit them to applying for new credit. If you are trying to qualify for a major loan, like a mortgage, avoid running any inquiries during that time. Opening a new line of credit can also lower your credit age.
-
Don’t close old credit cards
Since the age of your credit plays a part in your overall credit score, it’s best to keep old credit cards open—even if you’re not using them. When a credit card is removed from your credit report, it will shorten your credit age, causing your score to drop. Closing a credit card also lowers your available credit, which can lower your credit utilization ratio.
-
Monitor your credit report
Even when practicing good credit habits, errors can still appear on your credit report, leading to a decrease in your score. You’ll want to be diligent about monitoring your credit report should any errors appear—like identity theft or creditors reporting inaccurate information.
Do credit repair agents work??
Yes! There is no doubt about this fact. The majority of people who hire credit repair firms do so because they want to get out from under an unfavorable debt. If you owe money to someone else, chances are good that you don't feel like paying back what you borrowed. You might even think that if you pay off one creditor, another creditor will take over where the first left off. This isn't necessarily true. In many cases, when you make payments toward multiple accounts at once, all of those accounts become part of a single payment plan. When you're done making payments, there's nothing more for any other account holder to receive.
Can a credit repair company raise your credit score?
No. Credit repair agencies cannot increase your credit score by themselves. They can only help you improve your existing credit profile.
What does it mean to have bad credit?
Bad credit means having too much debt relative to your income. Your total amount owed should not exceed 40% of your gross annual household income. Having less than 10% equity in your home also indicates that you may have trouble repaying your mortgage.
Is hiring someone to fix your credit worth it?
Yes. Hiring an experienced professional who knows what they're doing can make all the difference when dealing with creditors. If you don't want to pay hundreds of dollars per month just so you can avoid paying late fees, consider contacting one of our trusted partners at National Debt Relief. We are here to assist consumers nationwide with their financial problems. Our team of highly trained specialists offers affordable solutions designed specifically for people facing difficult situations. Is it illegal to pay someone to fix your credit.
Is it possible to have bad credit repaired?
Absolutely. Credit scores range from 300-850. Anything below 700 is considered poor. Even though you may think you have terrible credit, chances are you still qualify for something. For example, you could apply for a secured loan in order to buy a car.
Do credit repair companies really fix my credit?
It depends. Many people believe that their credit reports contain inaccurate data. Others simply want to know how much money they owe. Still others just need some guidance when applying for new loans. These consumers often turn to credit repair agencies who specialize in helping clients get back on track financially.
how long does credit repair take?
Most credit repair firms charge anywhere between $50-$150 per month depending on the number of accounts involved. You pay this fee regardless of whether or not any changes were made.
How many years before I see results?
You might notice improvements within one year but more likely after three months. Your credit score typically improves at least 10 points.
What is the fastest way to repair your credit??
The best way to repair your credit is through negotiation. Negotiation means talking directly with creditors about lowering your payments or waiving certain charges. It's important to remember that most creditors will only agree to these terms if you've been making timely payments. In addition, there are several ways to speed up negotiations:
1) Make sure you keep accurate records of every payment you receive. Keep copies of cancelled checks, bank statements, and even receipts.
2) Contact each creditor individually rather than sending them letters via mail. Creditors respond better to direct communication.
3) Be honest with yourself and admit mistakes. Don't try to hide past due balances or old collections.
4) Consider using a credit counseling agency as part of your plan. A reputable organization like National Debt Relief can help guide you along the path towards improving your finances.
5) Finally, always ask questions!
Why to go for Credit Repair Services?
There are numerous reasons why it makes sense to hire a professional credit repair firm instead of trying to handle things yourself. Here are just a few examples:
• Hiring a credit repair expert saves you valuable time. By working together, both parties save hours of research and investigation.
• Working with a credit repair specialist also ensures accuracy. They have access to information such as tax returns, utility bills, and loan documents which may otherwise go unnoticed.
• Professional credit repair services offer peace-of-mind. When dealing with multiple creditors, it becomes difficult to stay organized and follow through with everything. With an experienced company handling the details, you'll be able to focus on what matters - getting out from under debt.
How Much Do Credit Repair Services Cost?
Poser Tubes has compiled some data based on our experience as well as what we’ve seen advertised elsewhere. We’re not financial experts or licensed professionals; just regular folks who are trying to improve their finances. So don't trust us blindly—do your own research.
We recommend starting small. After all, there are plenty of reputable firms offering affordable options. The average price per year ranges between $150-$300. However, most companies offer discounts for larger amounts spent. Some even give free consultations. It really comes down to how big of an issue you think your bad credit rating is.
How do I know if my work is secure?
Don't worry this is completely secure and won't hurt your score.
What do I agree to?
By clicking 'Submit' I agree by electronic signature to: (1) be contacted by credit repair or credit repair marketing by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by auto dialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy Terms of Use arbitration Provision Credit Snapshot: How does it work?
What are the factors that can improve your credit score?
Any credit score improvement seen after using our services is the result of many other additional factors, including: keeping credit balances low, paying bills on time, reducing or eliminating unnecessary inquiries, and developing appropriate types of credit, and sound financial planning.
What is Credit Repair?
Credit repair is the process of improving a poor credit score by addressing or removing negative items that could be listed on your reports inaccurately.
How do I fix my credit?
While you can repair your credit on your own, navigating the process could become tricky if you have multiple errors on your report.
What if I have inaccurate items?
Our team will send the appropriate correspondence to dispute and challenge the inaccurate negative items on your behalf.
What if I have a negative item?
For negative items requiring additional correspondence, we keep the process going and ensure your credit rights are fairly represented.
What is the online portal and app?
Through the online portal and app, we offer 24/7 access to your credit score analyses and credit counseling solutions to help you reach your credit goals.
The Top 5 Factors That Affect Your Credit Score
1. The amount of debt you have in your name, including credit cards and loans. This is called the “total balance” on all accounts. If you are paying off a loan or card with high interest rates, this will negatively affect your score.
2. How much money you owe to creditors. A higher-than-normal number can be caused by late payments, missed bills, or even bankruptcy filings. It also means that you may not be able to get approved for new lines of credit.
3. Whether you pay your bill on time each month. Late payment fees can lower your score.
4. What type of account you use: revolving accounts like credit cards tend to carry more weight than installment plans such as mortgages.
5. Any collection activity against you. Collection agencies often report negative information about consumers who don't make their payments.
The Importance of Having Good Credit
Having good credit isn't just important because it helps you qualify for better deals when buying cars, homes, and other big purchases. It also has benefits beyond those financial ones. For example, having good credit makes it easier to rent apartments, buy insurance policies, open bank accounts, apply for jobs, and obtain student loans. And since many employers conduct background checks prior to hiring, having good credit could give you an edge over applicants without it.
Major Credit Bureaus: Who Are They and What Do They Do?
The three major credit bureaus are Equifax, Experian, and TransUnion. These companies collect information about your financial history from banks, lenders, employers, landlords, etc., to create a report that is used by creditors when they decide whether or not you qualify for an offer of credit. If you want to improve your credit report, there are several ways to do so. You can start by contacting your local consumer protection agency and asking what steps need to be taken to correct any mistakes found on your file.
A CPA should be able to provide information regarding which companies review your credit report and how to get copies of your most recent statements from lenders. Once you receive the necessary documents, you can then take action to clear up any issues. If you want to improve your credit report, there are several ways to do so. You can start by contacting your local consumer reporting agency directly. Many CRAs provide free information regarding their procedures and guidelines for correcting mistakes.
Another option is to hire a professional credit repair service. There are plenty of companies offering credit repair services online. Some charge fees upfront, but others require monthly membership dues. Either way, these firms typically work with clients one at a time rather than through mass mailings. In addition, some credit repair services specialize in certain types of problems while others focus on improving scores across the board. To find out if a particular company offers quality customer support and effective results, check its website or call them directly.
Things to Consider When Choosing The Best Credit Repair Services
If you're looking for a reputable company that offers quality credit repair services at affordable prices, consider these factors:
• Reputation - Does the business have a good reputation among its clients? Do people recommend it to friends and family members? How many complaints have been filed against the firm? What kind of feedback has the company received over time?
• Pricing - Is the price fair compared to competitors' rates? Are there hidden charges? Can you negotiate lower rates if you pay in advance?
• Service - Will the service provider provide all necessary documents and forms needed to complete the job? Will he/she follow up after completing the project?
• Guarantee - Does the guarantee cover damages caused during the course of the project?
• Customer Support - Is customer support available 24 hours per day, 7 days per week? Is the phone number easy to find online?
• Availability - Where is the office located? Is the location convenient for customers who live far away?
To learn more about our credit repair services or to get started today, contact us now! Our team of experts would be happy to help answer any questions you might have. We look forward to hearing from you soon!