Monday, November 30, 2015

Voluntary Suspension Restricted Application Wisconsin Credit Repair Nerds

Congress has enacted law to eliminate 2 well known strategies used with Social Security benefits to increase retirement income.  Individuals born after January 2, 1954 must comply with these new rules.  The former strategies:

- Restricted Application where individual chooses only spousal benefit at full retirement after age of 66

- Voluntary Suspension where higher earning spouse files at age 66 and immediately suspended it

Restricted Application is no longer an option for anyone who reaches 62 after 2015.  This is being phased out over the next 4 years.

Voluntary Suspension at age 66 will be phased out 180 days from November 2nd.

Changing these two well known long term planning strategies will cause family budgets to adjust and compensate for new calculations.  Wisconsin Credit Repair Nerds has long expressed how unexpected changes effecting household income can result in a family needing the service we provide.  Most loss events that lessen the available resources are unexpected
https://homecarepath.sharepoint.com/Pages/CreditCyclePredictiveModelCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/

Sunday, November 29, 2015

MyRA Wisconsin Credit Repair Nerds

The United States Department of Treasury Secretary Jacob Lew has introduced the MyRA - my retirement savings program.  This is created to better accommodate the saving population. 

Savers are attracted to :
- no fees
- no minimum balance
- no contribution requirements

Savers put money in after tax so the account grows tax free after that.  This means the saver will not have to pay taxes on the earnings or withdrawal.

Wisconsin Credit Repair Nerds believes we all benefit from understanding how public and private organizations interact to maintain our expanding global credit industry. 

Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/

Saturday, November 28, 2015

Wisconsin Banks 3rd Quarter Net Up Credit Repair Nerds

The Federal Deposit Insurance Corporation data review indicates 3rd quarter net revenue is up for Wisconsin Banks.  Wisconsin Banks listed a 297 million net revenue for the third quarter of 2015.  This is up from the same time period last year for 248 million net revenue listing.

Total Wisconsin Bank net revenue calculated for the first nine months of 2015 is 911 million dollars.  The total Wisconsin Bank net revenue calculated for the first nine months of 2014 is 719 million dollars. 

Wisconsin banks have devoted timely attention to the credit review phase of the lending process to prevent loss.  This comprehensive analysis of detailed loan applications manages risk and benefits the bank.  The individuals credit report contributes a large portion of the needed information with forging a loan contract. 

Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/

Friday, November 27, 2015

Advanced Regional Network Wisconsin Credit Repair Nerds

There is a greater recognition now than at any other time in the past 30 years about how critical advanced networks are for helping families with an aging loved one.  Research continually identifies significant areas where the elder care infrastructure is either nonexistent or unproductive.

Home Care Path Biz Op has catalyzed a new wave of senior care network construction.  This has been identified as a comprehensive, expanding solution in the form of a private push to improve quality and safety across larger regions of service.

The Home Care Path Biz Op https://homecarepath.sharepoint.com/Pages/HighRockHomeCarePathBizOp.aspx is a model designed to open up access to service across and within sparse senior care service areas.  This would reduce situations where whole communities are competing for a relatively modest amount of care provision.

The Home Care Path Biz Op delivers care when the community is very rural, the population is sparse, and there aren't very many customers.  Most urban communities have geographical pockets that display similar situations. 

This creates a network of private provision bolstering the public efforts aimed at proactively helping a growing population of aging individuals.  Wisconsin Credit Repair Nerds is a service delivered under the Home Care Path senior living brand. 

Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/

Thursday, November 26, 2015

Senior Placement Concerns Wisconsin Credit Repair Nerds

Many families question what credit repair has to do with senior living.  The application process for permanent placement into an assisted living or nursing home dwelling will include a check of the senior's credit report.  Some providers will contract with adult children to secure a guarantor of payment. 

Improving the seniors credit report can facilitate more options when seeking a permanent placement for your loved one.  Families are being asked to pay out of pocket for more and more with long term placement arrangements. 

Families are encouraged to utilize in home supportive care prior to performing a permanent placement.  This is being fiscally responsible with the households resources.  Home Care Path is a well known senior supportive care provider https://homecarepath.sharepoint.com/Pages/WisconsinDells1940BlackHawkMotel.aspx

In home supportive care typically consumes family resources at a much slower rate than the assisted living - nursing home facilities.  Wisconsin Credit Repair Nerds is a service performed under the familiar Home Care Path Brand.

Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/

Wednesday, November 25, 2015

New Senior Housing Wisconsin Dells Credit Repair Nerds

A brand new continuum of care facility is planning to locate in Wisconsin Dells.  The target property is 36 acres off Bowman Road along the lower Wisconsin Dells River.  This is near the popular Riverwood Condominiums at 103 Bowman Road.

This project is Riverwood Eagle's Nest LLC and involves independent senior homes, assisted living and memory loss care apartments.  There is a public listening session scheduled for December 7, 2015 at the Public Library 620 Elm Street, Wisconsin Dells WI 53965 scheduled at 4pm and another at 5pm.

Senior living facilities admission process consistently involves examining the individuals credit report.  Wisconsin Credit Repair Nerds improves the presentation of information on an individuals credit report. 

Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/ 

Tuesday, November 24, 2015

VA Presumptive Disability Wisconsin Credit Repair Nerds

A veteran who served in a geographical area during a defined period of time and they develop known health conditions that research demonstrates a larger frequency of occurrence than recorded by the general population - these health deficits are presumed to be caused by time in military service.  The Veterans Administration (VA) calls this a presumptive disability.

Wisconsin Credit Repair Nerds encourages Veterans and their family to schedule an appointment with your County Veterans Service Office.  A Certified Service Officer can help you review the existing presumptive lists for different groups of Veterans.  This is where you begin to complete the forms, and determine the documentation needed to submit a claim for earned benefits.

A surviving spouse of a Veteran who dies with these undesired health conditions could be eligible for benefits as well. Be sure to bring any questions to the County Veterans Service Office.  Wisconsin Credit Repair Nerds encourages Veterans and Family to participate in the process required to access earned benefits. 

Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/ 

Monday, November 23, 2015

Holiday Mailing Schedule Wisconsin Credit Repair Nerds

As the Holidays rapidly approach the United States Postal Service reminds those mailing items to arrive by December 24th to follow these guide lines.

- can ship first class up to December 19th to receive by December 24th

- can ship priority mail up to December 21st to receive by December 24th

- can ship express service up to December 23rd to receive by December 24th

Home Care Path staff helping seniors remind gift senders to get to the Post Office sooner rather than later  https://homecarepath.sharepoint.com/Pages/GiftGivingSeasonHomeCarePathBizOp.aspx

Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/ 

Sunday, November 22, 2015

Credit Freeze Wisconsin Credit Repair Nerds

The credit freeze blocks the Credit Bureaus from releasing information from your credit report to lenders and other businesses without your permission.  This prevents another from using your personal information to fraudulently open a credit card or cell phone account in your name.  Most lenders will not issue credit without first viewing the credit report so identity thieves are locked out.

There are 3 main Credit Bureau's (Trans Union, Equifax, Experian) and each must be contacted to freeze your credit report.  Experian records 160, 639 credit freezes for all of 2014.  As of October 2015 Experian records 433,588 credit freezes.

The increased requests for credit freezes can be expected due to the more than 100 data breaches that have been reported this year.  Once you freeze your credit report you will eventually need to lift that freeze.  Today getting insurance, renting space, hooking up to a utility, or getting a cell phone can mean the seller will want to view your credit report. 

Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/ 

Saturday, November 21, 2015

FTC Telemarketing Register Notice Wisconsin Credit Repair Nerds

Wisconsin Credit Repair Nerds is not a telemarketing business.  Wisconsin Credit Repair Nerds does encounter many consumers in the delivery of our service who have experienced difficulties related to telemarketing purchases.  It is important to acknowledge there are far more legitimate telemarketing businesses operating than non-legitimate.

The Federal Trade Commission Register Notice published on November 18, 2015 enacts mandates 16 CFR Part 310 Telemarketing Sales Rule designed to reduce consumer money loss with fraud.  The purpose is to reduce telemarketing fraud.  The rule bans the use of 4 non-conventional payment methods in an effort to simplify rather than fragment the law.

The Federal Trade Commission Register Notice of 11/18/15 bans the telemarketing business from accepting the following methods of payment.
- remotely created checks
- remotely created money orders
- cash reload mechanisms
- cash to cash money transfers
Today's economy wants business providers to embed a return policy allowing consumers to easily get their money back.  This is balancing the advancing technologies with consumer autonomy and control.  Many long operating electronic payment providers (paypal) have merchant contracts in place that facilitate an immediate refund.  Their operating model is ahead of this FTC Register Notice.

Wisconsin Credit Repair Nerds is about protecting consumers ability to fairly participate in the expanding global economy. Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/ 

Friday, November 20, 2015

Mortgage Bankers Association Wisconsin Credit Repair Nerds

The Mortgage Bankers Association publishes findings from the weekly mortgage applications survey.  Mortgage applications for purchase remain strong.  Applications to refinance existing mortgages have increased as well.

Data analysis calculates the recorded credit scores on the accepted mortgage applications. 
Research indicates the average FICO score on the accepted mortgage purchase applications is quite high.  The average FICO score on the mortgage refinance applications were slightly lower than those accepted on a purchase. 

The data seems to indicate the lenders activity favors a higher credit score on the individual credit report.  Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/

Thursday, November 19, 2015

Tips 4 Working With Your Rep Wisconsin Credit Repair Nerds

This describes a preview of the process for working with your representative to improve the presentation of the information on your credit report.

- Create an account with PrivacyGuard.com this is a monitoring site and will cost about 20 dollars per month.  This account must stay open while in the Wisconsin Credit Repair Nerds program.  Despite the sites electronic prompts to update - do not- simply wait till the 45 day mark and allow our software to implement changes. 

- Supply your representative with the Privacy Guard log in information and the last four digits of your social security number.  Reminder to send any paper documents you receive from the Credit Bureau's over to your Representative - this is often a request for identification as part of the authentication mandate.

- Select the price that fits with the needs coming from your credit report.  There is a 150 dollar charge for inquire removal .  This link describes pricing increments
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx
Select a payment option and provide the representative with your credit card information for payment.

- Your rep will now key in information to set up your secure online credit portal.  Once you are on the secure online portal you will need to send 3 forms of identification through the secure portal. Your representative will send you ongoing information through this secure online portal for you to view at your convenience.

- When you log in to your own secure online portal you will electronically sign the contract - this is required to move forward in to the online portal.  Once you and the representative are communicating on the online portal the rep will send you the client contract in PDF and ask that you sign and send back.

Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/

Wednesday, November 18, 2015

November Entrepreneur Month Wisconsin Credit Repair Nerds

On November 1, 2011 through Presidential Proclamation Barack Obama declared November National Entrepreneurship Month.  This Administration recognizes the important role innovation plays in maintaining the strength of a National economy. 

Home Care Path demonstrates innovation with embedding their copyright PATHALONG original model in to the Home Care Path License Business Opportunity.
https://homecarepath.sharepoint.com/Pages/BalanceRockHomeCarePathBizOp.aspx
The Home Care Path Biz Op targets care givers who want to take their practice to the next level. 

Access to affordable capital is a piece of the public -private collaboration designed to make the United States economy in to a strong global partner.  The presentation of an individuals credit report is center to the lenders loan contract development process.

Wisconsin Credit Repair Nerds delivers a service that fixes an individuals credit report to improve their borrowing outcome.  Wisconsin Credit Repair Nerds works with the information on file to improve the presentation of an individuals credit report.

This simple link facilitates immediate access to a trusted credit repair service
 https://homecarepath.sharepoint.com/Pages/PrestageStudyWisconsinCreditRepairNerds.aspx

Wisconsin Credit Repair Nerds Provides:

- pre-staging process to save consumers time
- incremental pricing to better fit your budget
- each individual receives their own secure online portal
- person to person help from down to earth staff

email: lkutzke.crn@gmail.com

For a blog with free access that delivers credit repair information
http://homecarepathseniorcare.blogspot.com/