Friday, February 15, 2008
How Credit Card Applications Can Effect Your Credit Score
Thanks to the Internet, it has never been easier to receive and submit credit card applications. It can be very tempting to fill out all of the online forms available to you. But be careful, it could end up costing you--consider the following issues before hitting that "send application" again.
Be aware of card offers promising "pre-approved" credit. You may be a prospective customer, but you still have to apply for credit. Each time you apply, the card company obtains a copy of your credit report. All these credit card applications count as inquiries that, if concentrated over a short period of time, can negatively affect your credit score
With online credit card applications, you should also consider the security of your personal credit information. Take Security and privacy concerns seriously. Limit your online application to card companies that use industry-standard practices for security and privacy. Look for 128-bit encrypting, which scrambles your application data and requires a de-scrambler to read it.
Additionally, the card company's Web server should use Secured Sockets Layer (SSL) technology. Look for an online application on a secure screen of the Web site. This is usually identified with a padlock or similar icon, or has a URL that begins with the word "https." The company should also clearly state its privacy policy for handling your financial data.
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Note: This article may be freely reproduced as long as the authors bio paragraph at the bottom of this article is included, the article is published as is (unedited) and all URLs are made active hyperlinks with no syntax changes.
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About The Author
This article was written by Beth Pardue who has over 10 years of experience in the financial industry assisting clients with assorted financial needs. To learn more about credit reports or to get a free credit report online please visit: http://www.credit-report-credit-score.com
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Prefabricated Garages
The advent of cars and other motor vehicles changed transportation in the early 20th century. These horseless carriage became the most important means of transportation over the years. The widespread acceptance of the automobile by the American public posed unique problems, such as better roads, service, fuel stations and places to store the vehicle.
Space became an important issue in the development of garages. One of the first solutions for urban car storage was publicly and privately owned large-scale garages. The garages also changed architectural design. The portable garages paved their way through the market in 1908. They were small, partially prefabricated structures that consisted of wood or metal panels. These structures could be easily constructed within a day, and were relatively inexpensive.
Garage shelving is basically undertaken in two basic forms: site-built and prefabricated. Prefabricated shelving is sturdy and portable. It is more adjustable and faster to erect than any other type of garage. With regards to these kinds of garages, steel is stated to be the best choice for construction. One can also build these in plastic, but these garages are fragile and cant hold heavy items.
While buying materials for prefabricated garages, one would need to first consider the purpose of constructing the structure, and the place where it would be built. Steel shelving is only available in standard widths, depths and heights, and one would need to choose from these choices given. Adjustability is another factor that one needs to consider for prefabricated garages. There are many types of prefabricated garages available, and one needs to look for sheds designed for heavy loads. Due consideration should also be given to the sustainability of the structure in all seasons.
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