Increments Used With Credit Score Wisconsin Credit Repair Nerds

The credit score increments can be seen as numerical quantity communicated as a range.  The lower your credit score on the scale the more you will be required to pay over time for the money you borrow.  Below lists the accepted credit score increments.

800 or more is excellent
700 to 799 is very good
680 to 699 is good             higher score
620 to 679 is ok fair          equals less cost
580 to 619 is poor
500 to 579 is bad
499 and lower is very bad

Rather than viewing the score increments as good verses bad it is beneficial to think in terms of cost of the money borrowed.  The lower the score the more it costs the individual to borrow the money.  This can be listed as-

800 or more is least cost
700 to 799 is less cost
680 to 699 is minimal cost     higher score
620 to 679 is added cost         equals less cost
580 to 619 is heavy cost
500 to 579 is more cost
499 or lower is most cost

Understand money is increasingly available to borrowers throughout the credit score scale.  You can get money, it is how much you will pay for that over the length of the loan that matters most.  Federal and State Regulations are employed by organizational committees to forge internal lending policies the representative must comply with to write a loan contract.  Mortgage insurance and elevating interest rates contribute to increased cost for the loan.

All lenders rely on placement of the credit score on the scale to determine the required cost to the consumer to create a loan.  Credit repair is a resolution service designed to move your score placement on the scale to a higher position.  This reduces your cost of borrowing the money over the length of the loan.

This quantifies value of credit repair as a collaborative aspect of the consumers proper utilization of the increasingly available loan products.  Credit repair is a service known for saving the consumer money when borrowing.  This activity keeps more of the families resources in the household and available for urgent unplanned for needs.


In today's advanced technological approach to credit repair this email lkutzke.crn@gmail.com is our drive way- Wisconsin Credit Repair Nerds 608-432-4286. 
The typical client will have online computer access, enroll in Privacy Guard . Our software interfaces nicely with Privacy Guard and facilitates an effective deletion effort. Participating consumers will have their own secure portal facilitating access to instructional information, and the ability to log in and monitor their credit report changes at anytime from anywhere.  Down to earth staff work with the participant to forge strategic efforts aimed to best meet personalized needs.

Credit Repair Nerds Wisconsin believes helping consumers understand the connections across the Credit Industry can improve borrowing outcomes which contributes to a stronger economy.  We are all in this together.

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

Take a first peek https://www.homecarepathdementiasupport.com/en/infos/about at the open structure designed to strengthen a families access to the help they need in real time.  Families can list their need and support partners can list their availability.  This concise application exists to save families precious time and resources they so desperately need to effectively care for their loved one.

This is limiting variety to craft a precise, unambiguous approach to creating a match to best solve the well defined need for help managing early phase symptoms of dementia.  Leveraging technology to operate an electronic marketplace will assure access anywhere in the world.

Jason Bourne The Sherman Antitrust Act and Home Care Path

The newest Jason Bourne Movie includes Federal investigators looking in to a large social media networks business practice under the Sherman Antitrust Act.  The Sherman Antitrust Act is a Federal Competition Law passed by Congress in 1890.  Several seniors have described the new Jason Bourne Movie as fantastic. 

Wisconsin's Home Care Path has constructed a dementia support network
https://www.homecarepathdementiasupport.com/en/infos/about which requires our regulatory department to monitor activity to insure compliance with the Federal Sherman Antitrust Act. 

Research and development within Home Care Path explains the Federal Sherman Antitrust Act applies to any business activity which affects trade or commerce in more than one State.  The Dementia Support Network involves interstate commerce for a number of reasons.

- the network involves the buying and selling of services in more than one State

- money is collected from insurance companies that operate in more than one State

- referral like information is distributed across State lines

- financial institutions that operate in more than one State electronically transfer money

- the network allows local independent service providers to advertise nationally

This is why - to post a listing you must enter your own acceptable hourly amount.  Home Care Path does not set rates, but rather encourages competition by requiring listings to post their individual rate.  This bolsters the ability of individual service providers to continue to procure profitable exchanges in their local delivery area.

Take a first peek https://www.homecarepathdementiasupport.com/en/infos/about at the open structure designed to strengthen a families access to the help they need in real time.  Families can list their need and support partners can list their availability.  This concise application exists to save families precious time and resources they so desperately need to effectively care for their loved one.

This is limiting variety to craft a precise, unambiguous approach to creating a match to best solve the well defined need for help managing early phase symptoms of dementia.  Leveraging technology to operate an electronic marketplace will assure access anywhere in the world.


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





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STEP IN Most Successful Supportive Care Service 2016

            STEP IN

STEP IN is a Home Care Path support service designed to afford adult children of aging parents the opportunity to mitigate risk.  STEP IN sends a senior support partner to the elder’s home once a week for a face to face visit. 

Cost to consumer:  $59.00 per month for 4 weekly visits

Payment type:  PayPal- or check

Frequency: once a week- four visits per month

Length: 10 minutes per visit

Typical visit time: between 8am and 4pm

Structure of visit: Senior support partner observes and listens to get a sense of the elder’s well-being.   Check the thermostat and record temperature of dwelling.  Check refrigerator discuss out dated items.  Check doors for dwelling.  Offer to remove garbage for pick up.   

This has become hugely popular as a means to initiate support service for elder’s who insist they are fine and do not need the help of another.  The goal of the visiting senior support partner is to help the elder continue to safely reside in their own home.  

Simply call or text 608-432-4286 or

Email dementiasupport@homecarepath.com

Take a first peek https://www.homecarepathdementiasupport.com/en/infos/about at the open structure designed to strengthen a families access to the help they need in real time.  Families can list their need and support partners can list their availability.  This concise application exists to save families precious time and resources they so desperately need to effectively care for their loved one.

This is limiting variety to craft a precise, unambiguous approach to creating a match to best solve the well defined need for help managing early phase symptoms of dementia.  Leveraging technology to operate an electronic marketplace will assure access anywhere in the world.


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

Revolving Credit Recorded Credit Report

Wisconsin Credit Repair Nerds employs significantly advanced technological applications to improve the presentation of your data recorded by the Credit Bureau's on your report.  Revolving credit can mean a credit card or retail department store card.  Extra employees are always in the holiday malls offering a discount for filling in a credit application.

On the credit report under the name of the credit card will be listed the status of the account which means is it still open and active or closed.  Below on the report will be listed a month to month payment rating.  This will list as ok under the month if paid timely.  Or the number of days late will be listed - as 30- 60- 90 etc.

In the credit repair service standard practice is to remove an account if it is recorded as closed and with late payments.  If the account is still open with recorded late payments the effort is to remove the late payments, not the account. 

Wisconsin Credit Repair Nerds removal process includes software capable of the finer levels of activity needed to meet the industry standard. The software can distinguish the presented need acting on the best behalf of the client.  This improves the over all quality of the experience and saves the consumer precious time.

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

Need help with an elder experiencing symptoms of dementia

Take a first peek https://www.homecarepathdementiasupport.com/en/infos/about at the open structure designed to strengthen a families access to the help they need in real time.  Families can list their need and support partners can list their availability.  This concise application exists to save families precious time and resources they so desperately need to effectively care for their loved one.

This is limiting variety to craft a precise, unambiguous approach to creating a match to best solve the well defined need for help managing early phase symptoms of dementia.  Leveraging technology to operate an electronic marketplace will assure access anywhere in the world

Demand Side of Senior Care Market

Home Care Path covers hard to serve geographical areas in rural Wisconsin.  In these hard to serve areas families compete with each other on the demand side of the in home supportive care market. 

In this strong demand side competition, where demand exceeds supply, Home Care Path coordinates service in a sellers’ market.   Simply, there are more seniors in need of supportive care then there are Organizations coordinating elder care assistants. 

Home Care Path coordinates senior support partners who help elders with daily activities that assure health and well-being for 20 dollars per hour.   This low hourly rate contributes to elevated demand.  

Home Care Path has held the cost per hour of service at 20 dollars per hour since the year 2010.  This activity produces an inelastic quality to measures of demand. 

This artificial application influences the means to measure quantity of supportive service a population is able to acquire at a given price.  This is often not calculated in the underserved geographical (un-navigable degree of density) pockets. 

This dynamic produces consistent need for the service and the approach strengthens Home Care Path’s delivery within the surrounding community.


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

Access a senior partner who can come and help with an elder experiencing memory loss during your moving process. 

Take a first peek https://www.homecarepathdementiasupport.com/en/infos/about at the open structure designed to strengthen a families access to the help they need in real time.  Families can list their need and support partners can list their availability.  This concise application exists to save families precious time and resources they so desperately need to effectively care for their loved one.

This is limiting variety to craft a precise, unambiguous approach to creating a match to best solve the well defined need for help managing early phase symptoms of dementia.  Leveraging technology to operate an electronic marketplace will assure access anywhere in the world

Agriculture Leases Training Portage Columbia County Annex Building

Home Care Path has a long history of serving families in rural Wisconsin.  Often aging family members cannot keep up with farming work and it is in their best interest to lease their land out. 

Understanding how land is transferred in a lease for the growing (emblements) and harvesting of planted crops becomes important.  There will be a presentation of agriculture leases on Thursday August 25, 2016 from 1-3pm The Columbia County Annex Building, West Conant Street, Portage Wisconsin.  This work shop is suitable for both landlord and tenant. 

Farming families often connect with a younger neighbor interested in expanding and willing to participate in a lease agreement.  Understanding this process is beneficial for retaining good community relationships. 

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

Access a senior partner who can come and help with an elder experiencing memory loss during your moving process. 

Take a first peek https://www.homecarepathdementiasupport.com/en/infos/about at the open structure designed to strengthen a families access to the help they need in real time.  Families can list their need and support partners can list their availability.  This concise application exists to save families precious time and resources they so desperately need to effectively care for their loved one.

This is limiting variety to craft a precise, unambiguous approach to creating a match to best solve the well defined need for help managing early phase symptoms of dementia.  Leveraging technology to operate an electronic marketplace will assure access anywhere in the world

Wisconsin LTC System Confronted With Deficient Claims Reimburement Cycle

Wisconsin Long Term Care is examining deficiencies in a claims reimbursement cycle where the provider submits the bill to a large public funded insurance plan for payment.  The claims reimbursement cycle is being implicated in the lack of participating providers.  Providers have described personal experience of non-payment as a primary reason for not contracting with fund administrators authorized to facilitate delivery.

Wisconsin service providers explain the larger hospital and health care centers try to shift claims reimbursement cycle inefficiencies on to the consumer.  This is evidenced by start ups like St. Paul's Athos Health - a service based solely on preventing larger providers from unnecessarily billing consumers for care that should be reimbursed by the funds in the insurance plan.

This is an essential addition to a claims reimbursement cycle practice that lacks the integrity to properly serve today's consumers long term care needs.  This has become a forefront issue as Wisconsin struggles to implement State wide delivery.  Stated simply- a claims reimbursement cycle that manufacturers:

- Providers not paid for services performed

- Consumers getting bills for received service that should be reimbursed by the plan

- Operating providers unwilling to contract stating claims reimbursement cycle deficiencies as the reason

is no longer acceptable.  The lack of participating providers is pushing the Long Term Care Legislative Authority to place the existing claims reimbursement cycle under the microscope. 

Estimates on the frequency of errors has moved from a numerical communication to a list of discipline specific providers unwilling to contract with the public (insurance) funded programs.  This is supported by numbers of individuals eligible for service but unable to find a service provider.

The core of the problem is a claims reimbursement cycle that lacks process standards required to assure long term care delivery for our highest need population.

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

Access a senior partner who can come and help with an elder experiencing memory loss during your moving process. 

Take a first peek https://www.homecarepathdementiasupport.com/en/infos/about at the open structure designed to strengthen a families access to the help they need in real time.  Families can list their need and support partners can list their availability.  This concise application exists to save families precious time and resources they so desperately need to effectively care for their loved one.

This is limiting variety to craft a precise, unambiguous approach to creating a match to best solve the well defined need for help managing early phase symptoms of dementia.  Leveraging technology to operate an electronic marketplace will assure access anywhere in the world

Vantage Score The Range Bit New Wisconsin Credit Repair Nerds

Vantage Score is a credit rating product first utilized in March of 2006.  Initially the Vantage Score range was 501 to 990.  Vantage Scores were often used in generating a sample population for a data study.

FICO system creates the credit score utilized by the majority of lenders.  The range for FICO credit scores is from 300 to 850.  The consumer population has most familiarity with the FICO range.

Vantage Score 3.0 is an upgrade of the existing scoring model.  The new application of the Vantage Score will now generate a number between 300 and 850.   Some have suggested the more things change the more they stay the same.

In reality we are experiencing an evolving aspect of the credit industry adjusting to an expanding technological adaptation designed to support a global economic expansion.  Credit Bureaus are challenged to operate progressive models of predicting behavior to facilitate borrowing that contributes to the global expansion of markets.

Wisconsin Credit Repair Nerds is a well known participant in the 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.

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

Access a senior partner who can come and help with an elder experiencing memory loss during your moving process. 

Take a first peek https://www.homecarepathdementiasupport.com/en/infos/about at the open structure designed to strengthen a families access to the help they need in real time.  Families can list their need and support partners can list their availability.  This concise application exists to save families precious time and resources they so desperately need to effectively care for their loved one.

This is limiting variety to craft a precise, unambiguous approach to creating a match to best solve the well defined need for help managing early phase symptoms of dementia.  Leveraging technology to operate an electronic marketplace will assure access anywhere in the world

Forms of ID Credit Repair Nerds Wisconsin

Credit Repair Nerds Wisconsin will request three forms of identification to conduct the established credit repair process.  The identification facilitates interface across credit data collection and storage sites.  The credit bureau's have approved the following list of forms of identification:

- Driver's license
- Social Security Card
- Utility bill like water, gas, electric, cable, or phone bill
- Tax return
- Auto Insurance Card
- Birth Certificate

Your Credit Repair Assistant will make a copy of 3 forms of identification and fax them in to the corporate facility.  This begins construction of the individual's secure online portal.  The identification will be needed throughout the deletion process.

The secure online portal allows participating consumers to check their own credit files for changes anytime and from anywhere.  Credit repair involves advocacy across secure data exchanges to better manage the system used to collect and communicate personal information.

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

Access a senior partner who can come and help with an elder experiencing memory loss during your moving process. 

Take a first peek https://www.homecarepathdementiasupport.com/en/infos/about at the open structure designed to strengthen a families access to the help they need in real time.  Families can list their need and support partners can list their availability.  This concise application exists to save families precious time and resources they so desperately need to effectively care for their loved one.

This is limiting variety to craft a precise, unambiguous approach to creating a match to best solve the well defined need for help managing early phase symptoms of dementia.  Leveraging technology to operate an electronic marketplace will assure access anywhere in the world.

Improving Forms In Wisconsin Real Estate Industry

A Committee within the Division of Policy Development under the Wisconsin Department of Safety and Professional Services meets regularly to improve forms used in the Real Estate Industry. 

The Committee is titled The Real Estate Contractual Forms Advisory Council.  Their meetings are held (room 121) at 1400 E. Washington Avenue, Madison, Wisconsin 53708. 

The Committee collaborates with The Real Estate Examining Board in the creation, approval, and updates on forms.  Forms play an important role in the conveyance of real property.

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

Access a senior partner who can come and help with an elder experiencing memory loss during your moving process. 

Take a first peek https://www.homecarepathdementiasupport.com/en/infos/about at the open structure designed to strengthen a families access to the help they need in real time.  Families can list their need and support partners can list their availability.  This concise application exists to save families precious time and resources they so desperately need to effectively care for their loved one.

This is limiting variety to craft a precise, unambiguous approach to creating a match to best solve the well defined need for help managing early phase symptoms of dementia.  Leveraging technology to operate an electronic marketplace will assure access anywhere in the world.

Wisconsin DHS Defines Dementia Care Changes

With dementia care redesign efforts the Wisconsin Department of Health Services is committed to a change.  This change is described on the DHS website as care for the elder and family throughout the entire course of the disease. 

The Department of Health Services challenges providers to implement solutions to help manage the undesired symptoms.  Without early onset identification and support the symptoms progress to produce crisis like events that rapidly consume a huge amount of community resources.  These crisis like disruptions can be scarey for all involved.

The IADL's instrumental activities of daily living are the more complex tasks that fall away first.  Although these needs created from the progressing memory loss are immediate and real, the medical system has traditionally been limited help with these difficulties. 

The medical system will diagnose need from the late disease process manifestation of symptoms.  The medical system perceiving the later appearing needs requiring help for ADL's activities of daily living will suggest care from a hospital owned memory care facility.  In this practice the elder goes from seemingly needing no extra help to immediately needing a more costly geographical move in to an assisted living facility. 

Said another way the primary provider at the medical clinic has no effective support until the elders needs require placement in a memory care facility.  The dementia disease process does not officially become a medical condition until the later experienced undesired symptoms can be used to craft a diagnosis and functional needs match inpatient delivery.

The family understands the senior needs the help of another long before the medical system can organize the office visit derived data and conclude more support is important.  This is the Department of Health Services calling out to innovative providers to expand the existing definitions of care and better serve this growing population.

Home Care Path is constructing a non-medical dementia support market place. 

Take a first peek https://www.homecarepathdementiasupport.com/en/infos/about at the open structure designed to strengthen a families access to the help they need in real time.  Families can list their need and support partners can list their availability.  This concise application exists to save families precious time and resources they so desperately need to effectively care for their loved one.

This is limiting variety to craft a precise, unambiguous approach to creating a match to best solve the well defined need for help managing early phase symptoms of dementia.  Leveraging technology to operate an electronic marketplace will assure access anywhere in the world.


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