Credit History Longer Better Credit Repair Nerds Wisconsin

When it comes to credit history longer is considered better.  Credit recording ( Experian, Trans Union, Equifax)  and storage agencies use technology to create a data product money lenders can use to factor in the risk for loaning money.  Length of credit history is instrumental in formulating a FICO ( Fair Isaac Company) score.

The technological applications utilized by credit recording and storage agencies requires an individual to have at least one credit account with six months of activity to create a data product for money lenders to review.   Applications document how long the credit account has been open, how long specific types have been open, how long since these accounts were used.

The organization of this collected information involves identifying the age of the oldest credit accounts, age of the newest credit accounts, and the average age of all the individual's credit accounts.  So, age and loan pay back experience is communicated as beneficial when calculating credit history.

One can see money lenders rely on having access to an individual's borrowing and payment history to properly complete their lending process.  The credit industry structures their practice through the utilization of data bits that communicate an individual's use of credit over time. 

The (FTC) Federal Trade Commission regulates the collection and distribution of this credit information.  Credit Repair Nerds www.creditrepairnerds.com work within these regulations when repairing an individual's credit history. 

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 Home Care Path  www.homecarepath.com and the Wisconsin PATH ALONG model deliver an advanced supportive care service.  Helping seniors in the home, with clinic visits, at the hospital, nursing home and assisted living facility.  Helping seniors downsize with a move in to an adult child's home. 2015 rates are 20.00 per hour.  Simply call 608-432-4286 to schedule an interview.  We can be there when you are working.  We accept long term care insurance.  Services can be tax deductible.  Help with resources and the transition from private payment to public funded programming.  Valuing home and human