Saturday, October 31, 2015

Many Credit Scores Wisconsin Credit Repair Nerds

Contractual agreements between lenders and the loan guarantee organizations is fostering alternative credit scoring models.  Gone will be the home town lenders collecting stacks of pay check stubs and tax filing records.

The big Credit Bureaus (Equifax, Trans Union, Experian) have embraced technological software capable of collecting a larger portion of the individual consumer data now available.  The Credit Bureaus are implementing new products to maintain their fiscal integrity.

The Credit Bureaus have started to produce alternative data packages from their information collection efforts. These applications can deliver an alternative score for some individuals who do not even have a Fair Isaac Corp Score.  This Credit Bureau product expansion can be perceived on two points.

- Creation of New Data Fields

- Enrichment of Values Across Standard Data Fields

Lenders like the idea with the loan buyers acceptance because it expands the number of potential borrowers.  This is being marketed as a more comprehensive review of the borrowers ability to handle a loan. 

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, October 30, 2015

Anchor Bancorp ABCW Wisconsin Credit Repair Nerds

Anchor Bancorp Wisconsin Inc. is located at 25 West Main Street, Madison Wisconsin 73703.  A strong history of serving Wisconsin consumers dating clear back to 1919.  Anchor Bancorp Wisconsin is listed on the NASDAQ as symbol ABCW.

Anchor Bancorp Wisconsin Inc. provides individual access to banking services through about 53 full service branches.  Anchor Bancorp implemented an effective internal loan process designed to reduce default.  As a quality improvement initiative a more comprehensive loan contract development process has lessened the assets being utilized with borrowers more than 90 days over due on a repayment schedule.

All banks must have money in a fund for risk reserve, simply to cover loans that are not being paid back.  By strengthening the loan contract process and reducing loan default the Anchor Bancorp can now reduce the money that must reside in the fund for risk reserve.  By sliding money from non-performing assets to the available assets category the 3rd quarter accounting delivers a very attractive presentation. 

Anchor Bancorp Wisconsin ABCW has a share price of 41.91 at last glance.  Borrowing across Wisconsin is increasingly requiring an acceptable credit report.  Strengthening the presentation of your individual financial information on the credit report is a service Wisconsin Credit Repair Nerds provides.


 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, October 29, 2015

House Flipping Wisconsin Credit Repair Nerds

Stagnant interest rates have propelled the efforts of house flippers forward.  House flipping is when Real Estate investors buy homes and resell them for a profit down the road.  The idea is to buy and then sell in the same calendar year for an attractive return. 

Putting together a flip begins with analyzing the cost of the short term loan.  The expense of borrowing money is a piece of the over all business investment.  Presenting the information on your credit report in a positive light has been shown to decrease the interest amount needing to be paid over the length of the loan.

Flippers look for growing neighborhoods where people want to live to select a house to fix up.  Buyers have been gravitating to turn key homes with added smart home features.  Flippers can benefit from developing experience that allows a forecast of the top end selling price for a home in a defined geographical area.  This is called knowing your market.

Flippers spear heading a project need to have the final asking price be reasonable for families seeking to make a home in that area.  Over pricing the house could lead to you owning a rental when you really wanted a sale.  Wisconsin Credit Repair Nerds provides a supportive service for flippers and potential home buyers.  Fixing the credit report improves your borrowing options.

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, October 28, 2015

Wisconsin Towns Association Credit Repair Nerds

The Wisconsin Towns Association helps establish and maintain a standard government structure to improve recognition at the State and Federal levels.  Located at W7686 County Road MMM Shawano, WI 54166.

The Wisconsin Towns Association is a State wide, voluntary, non-profit, non-partisan association of member town and village governments in Wisconsin controlled by its board of directors.  The accepted urban hierarchy defines a town as smaller than a city, and village as smaller than a town.  The Wisconsin Towns Association lists a participating membership of 1257 towns and 20 villages.

The Wisconsin Towns Association advocates for towns and villages at State and Federal Legislative policy making committees.  Creates County Unit Meetings to support local government and the towns interests.  Distributes information and instruction throughout the regional community. 

This is written to help individuals in the Real Estate Industry understand the collaborative relationships that participate in the policies that are embedded within property ownership.


 
Wisconsin Credit Repair Nerds is committed to
operating
 
a service that delivers value, convenience, and trust.  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, October 27, 2015

State Home Sales Strong Wisconsin Credit Repair Nerds

State of Wisconsin September home sales increased from 6250 in 2014 to 6944 in 2015.  This records 694 more real estate transactions as of September 2015. 

Year to date Wisconsin home sales increased with 59, 551 in 2015 from 52, 909 in  2014.  This records 6642 more real estate transactions as of September 2015. 

Research has proven strong home sales can contribute to tight inventories which tends to push house prices higher. 



  
Wisconsin Credit Repair Nerds
 provides a professional credit repair service at an affordable price.
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, October 26, 2015

Health Insurance Market Place Renew Notice

Its that time of year again.  Expect your call from 800-318-2596 reminding you to watch for the shop and renew notice to come in the mail.  This is for those purchasing health insurance plans on the Health Insurance Market Place of healthcare.gov. 

November 1, 2015 open enrollment starts- first day you can enroll in a 2016 insurance plan through the health insurance market place for coverage to start January 1, 2016. 

December 15, 2015 is last day to enroll or change plans for new coverage to start January 1, 2016.  Stash you letter in a safe place for review when you go in to the computer to shop for the best health insurance deal. 

 Wisconsin Credit Repair Nerds provides a professional credit repair service at an affordable price.
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, October 25, 2015

2008 Crash Trends Created Wisconsin Credit Repair Nerds

The economic crash of 2008 has intimately effected the way the user population participates in avenues that produce domestic monetary momentum.  The crash of 2008 contributed to a national "loss event" which required compensatory behavior that was accompanied by an emotional  mis-trust of traditional systems.

Hard working families through no fault of their own lost their jobs, their houses, their retirement, and literally had to change the way they live.   This link the Credit Cycle Predictive Model helps consumers https://homecarepath.sharepoint.com/Pages/CreditCyclePredictiveModelCreditRepairNerds.aspx
better understand how a loss event contributes to change.

A recent study conducted by Larson Research on behalf of Allianz Life Insurance Company of North America identified a population characterized as post crash skeptics.  A percent of the population- once they experience a trauma (loss event) - they continue to manifest the emotional response rather than a rational response to that trauma (loss event).  This stronger emotional response contains pocketed thoughts that manifest as learned behaviors as the individuals life moves forward. 

This has significantly altered the way some individuals are choosing to live, work, save, and spend.  Research review have identified 4 trends that have found energy from this mis-trust of traditional systems.
- The tiny house movement
- Services to repair individual credit report
- Greater utilization of public services
- Very conservative approach to investing

The tiny house movement talks of needing less from the outside to maintain the household.  Credit repair is individuals expressing the information belongs to them and accuracy is important.  As an individual we contribute to the delivery of public services and deserve to maximize our benefit as a return.  When investing this population seeks to preserve control as a way to keep as much of the house hold resources for the family.

This is written to help readers understand the inter-relationship of domestic monetary policy and the credit industry as a service designed to strengthen the quality of life within our local communities.

  Wisconsin Credit Repair Nerds provides a professional credit repair service at an affordable price.
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, October 24, 2015

Franchise Vs Biz Op Wisconsin Credit Repair Nerds

Home Care Path staff look at the difference between a Franchise system and a Business Opportunity system.  The Business Opportunity seems to provide the owner with a more open approach to operating their business. We will look at 4 characteristics (operating system, corporate support, fee, and sale disclosure) to better understand.

     OPERATING SYSTEM
Franchise- All adhere to a strict operating system - all do the same thing
Biz Op- No requirements to adhere to a strict operating system- pick and choose the brand options that best serve your needs

    CORPORATE SUPPORT
Franchise- structured support that continues on forever
Biz Op- informal structure, more up front training that softens to as needed as go along

     FEES
Franchise- required to pay ongoing fees called royalties
Biz Op- typically no ongoing payment obligation

     SALE DISCLOSURE
Franchise- new clients receive a Uniform Franchise Offering Circular
Biz Op- new clients receive Disclosure of Important Information about Business Opportunity Rule 16 C.F.R. Part 437

The Business Opportunity allows the owner to change the business how ever they want.  This delivers a more autonomous approach to developing your own business. 

            HOME  CARE  PATH  CREATING  BIZ  OP
 

What happens when an aging population with crisis level un-met needs meets Home Care Path a senior non-medical care delivery model - is a much needed  Biz (business opportunity)  Op.  Home Care Path in January of 2016 will celebrate 6 years of successfully helping families who have an aging loved one in need of support.  This Biz Op is being designed to give in home care givers the opportunity to have their own company which will secure a path for the continued delivery of their own labor. 


Home Care Path research lab has began by reviewing process in line with the Federal Trade Commissions Rule 16 C.F.R. Part 437.   Home Care Path invites the greater community to follow along as this important Biz Op unfolds. The license agreement is being made ready.




  Wisconsin Credit Repair Nerds provides a professional credit repair service at an affordable price.
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, October 23, 2015

One Stop Biz Portal Wisconsin Credit Repair Nerds

Wisconsin has established a one stop business portal. The one stop business portal facilitates individual access to the 3 main public services supporting Wisconsin business owners.  The 3 main public services list:
- Department of Financial Institutions
- Department of Revenue
- Department of Work Force Development

This saves those conducting business time by eliminating the need to visit 3 separate public service agencies.  This will be extremely beneficial to all new business models like the Home Care Path
https://homecarepath.sharepoint.com/Pages/BroadwayHomeCarePathBizOp.aspx  Business Opportunity being implemented to improve families with elders access to senior assistance.   This will stream line the process for individuals establishing a business presence in a local Wisconsin community.

Wisconsin Credit Repair Nerds performs a service designed to strengthen the presentation of the information on an individual credit report to improve the borrowing outcome. 




 
Wisconsin Credit Repair Nerds
 provides a professional credit repair service at an affordable price.
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, October 22, 2015

Sentrilock Foot Traffic Wisconsin Credit Repair Nerds

Sentrilock was founded in 2003 and owned by the National Association of Realtors.  Located at 7701 Service Center Drive, West Chester, Ohio 45069.  Sentrilock is an electronic lock box maker and service organization operating as part of the Real Estate Industry.

Sentrilock lock boxes are utilized nationally with the showing of homes.  Technology facilitates a record for the number of times the lock boxes are opened.  In cooperation with the National Association of Realtors- Sentrilock collects all the individual lock box opening figures. 

The National Association of Realtors then publishes this finding every 30 days.  This is utilized as a measure of foot traffic shopping for a new dwelling.  This measurement of foot traffic is used as  a precursor to characterize future sales trends.

The Real Estate Industry is all about collaboration.  Wisconsin Credit Repair Nerds delivers a service as a collaborative participant in the Real Estate Industry.  Improve the presentation of your individual credit report as a way to strengthen your borrowing outcome and retain more financial resources within the house hold.


  Wisconsin Credit Repair Nerds provides a professional credit repair service at an affordable price.
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/