Friday, August 7, 2015

Blame Disruption On Credit Bureaus Wisconsin Credit Repair Nerds

Gijs Van Wulfen explains the McKinsey and Company approach to business model innovation.  Wisconsin Credit Repair Nerds research staff reverse engineered the Credit Industry disruption through this template. 

1. Outline the previous dominant model in the Credit Industry.  This was a tight knit process in which the Credit Bureau served the Lender who served the Borrower.

2. What was the long held underlying belief.  The Credit Bureau owned the information which flowed one way with selling it to lenders who used it to contract with borrowers. 

3. Turn the long held underlying belief on its head.  The Credit Bureau proclaimed this information belongs to the consumer - it is their personal information.

4. Sanity test - how can this make business sense.  How can we profit from communicating to consumers this credit information now belongs to you the individual?

5.  Translate the new belief into the Credit Industries new business model.  The Credit
Industry organized their operating model to interact with the customer in a new way.  Technological resources were leveraged to create large online multi-sided economic platforms.  This new delivery expanded the customer base - and facilitates a multitude of continuous new revenue streams. 

Now the Credit Bureau's package information for lenders, consumers, employers, landlords, college enrollment, medical providers, and so many more.  Consumers are challenged to find services that can support their needs in this new Credit Industry model. 

Credit Repair Nerds Wisconsin is a customer friendly service with an established system for helping individuals with their credit report.  Credit Industry research teams explain the importance of facilitating access to services that can assist consumers with this new means of distributing financial information.


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Credit Repair Nerds Wisconsin https://homecarepath.sharepoint.com/Pages/CreditRepairNerdsWisconsin.aspx  works with a consumers credit information to fix reported history and improve scores.  We are in the business of managing your credit report to improve your borrowing outcome.

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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 life

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