Medical Emergency Impacts Credit Report Wisconsin Credit Repair Nerds

The couple in there 50's explained how their need for credit repair kind of snuck up on them.  Their kids were out on their own.  It began with her inability to catch her breath and friends commenting on her off color tone. 

She left work and drove her self to the emergency room of the hospital in the next burg where her health plan would cover the visit.  She was immediately sent upstairs to the intensive care unit where the staff stabilized her for emergency transport to the critical care hospital approximately 65 miles away. 

From the time of her cardiac surgery the inpatient stay was approximately 37 days long.  Her husband had taken off work and stayed in a hotel room near by where the medical coordinator was able to get him a reduced rate.  She kept a closer eye on the finances and he missed paying a few of the bills on time.  He had gone to Kohl's and JC Penney to pick up spare clothes to get him by.  He used the credit cards for meals in local restaurants.  The only thing that mattered now was getting her through this medical emergency and getting her home - and he wanted her to be sure she was not alone. 

       PERCENTAGES  MAKE  UP  THE  CREDIT  SCORE

- when he missed paying the cell phone and water and light bills this contributes to 35 percent of the score on the credit report

- when he put the cost of the hotel room and meals on the credit card this increased the debt ratio which contributes to 30 percent of the score on the credit report

- when he got clothing at Kohl's and JC Penney the clerk gave him 40 percent off for opening up a new credit card with each clothing store chain

- the new credit cards contribute to 10 percent of the score on the credit report

Research indicates this has communicated activity to the Credit Bureau's which will effect 75 percent of the data utilized in formulating a credit score.  This identifies how credit is being effected rapidly.  This does not take in to consideration:

- the loss of personal income
- the out of pocket medical costs
- the timeliness of insurance reimbursement
- the cost of attending out patient rehab

Wisconsin Credit Repair Nerds utilizes a predictive model that indicates the need for credit repair service flows from a loss event and occurs through no fault of the consumer.  View the Credit Repair Predictive Model here https://homecarepath.sharepoint.com/Pages/CreditCyclePredictiveModelCreditRepairNerds.aspx

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/