Florida is one of the premier retirement states in the country, both because of its non-existent income tax, as well as its pristine beaches and great climate. Florida boasts a great number of retirement communities, each with its own flavor and atmosphere. Depending on the region of Florida in which you choose to live, you will encounter different attractions.

   Central Florida has the draw of the theme parks, and experiences a bustling tourist season every year. If you like the active city lifestyle, or have grandchildren that may want to visit, central Florida is the place to be. The cost of living and abundant activities make this a great destination. Also, with all of the home foreclosures and distressed sellers due to bad credit, there are some fantastic investment opportunities in this market. Even those seniors with bad credit should have no problem finding housing deals.

   Old Palm Golf Club is one of the premier golf clubs in the United States, located in South Florida. The fairways are beautiful, strewn with lakes, oak, and pine trees. The caddies at Palm Golf Club are quick and efficient, ensuring that members always have a game ready for them. Homes at the Club are built in magnificent Mediterranean style, while also rated to withstand hurricanes. Home construction is sturdy and high quality, with custom cabinetry, marble bathroom floors, and granite countertops.

   The Parkland Golf & Country Club is another premier resort of the South Florida region. Parkland has 790 acres of gated land, and an 18 hole golf course designed by golfing figure Greg Norman. Homes are available in a variety of styles, from Spanish, Tuscan, and Italian Mediterranean.
The city itself is home to many great attractions, including the Equestrian Center at Temple Park. The city also has great shopping, such as at the Heron Lakes Shoppes.

   Located in northern Florida, the Costa Verano homes are surrounded on all sides by great attractions. As a part of Jacksonville, the community is located near the arts and business center of the city, while also nearby the coastal regions. With nearby St. Augustine, the community has a taste of classic America. The community has a private theater, pool, and an extensively equipped health and fitness center as well.

   The Lost Key community in the Florida Panhandle is settled among natural preserves, and features a beautiful 18 hole golf course. The natural vistas offered in the Panhandle make this one of the most beautiful retirement communities in the world. The community also offers a tennis court and fitness center, in addition to its majestic championship golf course.

   Florida has some of the best retirement communities in the country, with each region of the state offering a distinct experience. Whether or not you choose to live in a community or take advantage of the investment opportunities that exist, Florida will be in my opinion a great place to invest.

Let’s Wrap This Up… 

   So as you can see, there are many lifestyle and living choices in former real estate hot spots like Florida. Don’t believe all of the “doom and gloom” about depressed real estate prices. The critics used to say that about NYC and look at what real estate prices have done there! Florida will always be a desirable place to live and once this credit crunch lessens a bit, those who invested early will be rewarded.

   If you would like to learn how to invest in real estate by using your credit scores, then go to my website and find out information about how to do exactly that.

www.CrushingTheCreditBureaus.com

   Inside you will find there are over 150 pages of credit repair tips, techniques, and tactics to skyrocket your credit scores.

   Click the link to download Crushing The Credit Bureaus for only $97

Speak to you soon,

Your Credit Score Insider,

Mark J. Garcia

   The Credit Bureaus exist for one reason, and one reason only…to make money! Each and every one of the credit bureaus is is a publicy traded company. They make most of their revenue by selling information (i.e. credit reports) to lending institutions, insurance companies, utility companies, credit card issuing banks, and employers.

   They DO NOT make money by researching your credit disputes…in fact, it costs them time, money, and resources to investigate them. Is it any wonder then who the credit bureaus ultimately serve?

Credit Bureau Secret #1

Credit Bureau Reports – Your 92 Credit Scores

   Credit reports and scores are created “on the fly” whenever they are requested by you, a creditor, or a lender. In fact, you can have up to 92  different credit scores…23 different credit scores for each Bureau: Transunion, Experian, Equifax and don’t forget the little known “other” credit bureau named Innovis.

   Remember your credit scores can vary drastically  depending on who pulls the report and the particular credit profile applied to you.

   This Credit Bureau process is especially problematic if you are thinking of getting a home loan or mortgage. The credit score you see if you request it from a Credit Bureau or an on-line service WILL be different – and probably much higher than the credit score you receive from a Mortgage Broker.

   Why?

   One reason is that when you pull a report from an online service 18 elements of identification have to match exactly. For example, all of the letters of your last name need to match. That means you are more likely to get accurate information.

   When the credit bureaus pull reports for lenders, usually only 9 elements have to match, for example only 2 letters in your last name. So, more errors and erroneous information will appear on your score – lowering it.

   Why do the Credit Bureaus provide different – and LOWER – scores to lenders? Because they’ve decided that by reporting lower – more conservative credit scores to lenders, they would be less likely to be sued by lenders if the borrower defaults on the loan.

   Do you think the Credit  Bureaus care about showing Lenders your true credit worthiness? I am here to tell you that they don’t!

   Matter of fact, if you would like to find out more information about how the credit bureaus are royally screwing over the American Consumer, click the link below to find out more shocking secrets the credit bureaus keep from you and I…

 http://www.crushingthecreditbureaus.com/

 

Credit Bureau Secret #2

Credit Bureau Reports – Your Scores are NOT Accurate

   Did you know that your credit score is probably inaccurate?

   According to a recent Public Interest Group Research study, more than 70% of Credit Reports contain errors. Oh sure the Credit Bureaus say to the public that only 20% of credit reports contain errors, but that’s a bunch of Credit Bureau bologna, because when they are in court under oath they admit that more than 50% of credit reports contain errors.

   What kind of errors are probably on your credit report – and making you pay more for your home, auto loan, insurance, credit cards and student loans?

The study found that:

- 29% of credit report accounts contain serious errors that don’t belong including false delinquencies that can kill your credit score.

- 41% of credit reports contain personal demographic information that was incorrect, outdated, or misspelled.

- 20% of credit reports – 1 in 5!!!! were missing major credit loan mortgage or other information to demonstrate the credit worthiness of the consumer.

- 26% of credit reports contained accounts that were in incorrectly listed as open (or) “closed by credit grantor.” When your account is “closed by grantor” it looks like you did something wrong and that’s bad for your credit score.

 

Credit Bureau Secret #3

What Is Your Real, Accurate, and  True Credit Score?

   Did you know that over 90% of the financial institutions in the world will use credit scores from one organization only? The name of that company is Fair Isaac Corporation or as they are more commonly known FICO and FICO Credit Scores.

   The location where I recommend that you purchase your credit scores from is from the Fair Isaac Corporation at their website www.myfico.com/12

   This website will not only give you the most current status of your credit reports, but it will also show you your FICO Credit scores from all 3 credit bureaus. This is the only place you should ever get your credit scores, because your FICO scores are the ones from where most lenders will base their acceptance of your credit application.

   I find it interesting that the major credit bureaus also have their own version of credit scores that they try to sell to you and I.  However  none of the people you are trying to get to extend you credit will even look at those credit scores!

It is just another example of the greedy credit bureaus trying to squeeze more and more money from us.

 

 

Let’s Wrap This Up… 

   So as you can see, there are many myths disguised as truths when it comes to credit and credit repair. There are also hidden secrets that the credit bureaus don’t want you to know. I hope that since you are now armed with this knowledge, you won’t fall victim to false information that exists out there.

   Inside there are over 150 pages of credit repair tips, techniques, and tactics to skyrocket your credit scores.

   Click the link to download Crushing The Credit Bureaus for only $97

Speak to you soon,

Your Credit Score Insider,

Mark J. Garcia