Puzzled by Power. Dear PbP, We're not sure how it all started, but the idea that it's harmful to shut your computer down every night is a myth. Unless you shut it down incorrectly (e.g. ripping out the power cable and laughing maniacally), there's really nothing to worry about. In fact, shutting down your computer every night offers a few advantages. First and foremost, it won't draw as much power when off. Additionally, you don't have to remember to turn off the sound each night so it doesn't wake you up with an unexpected alert.
Freedom of Information Act. The Freedom of Information Act (FOIA) is the national law regarding the release of government agency public records. While using FOIA, you can: 1  Request any type of public record report from the agency.  Determine the form you want the information in.
Some public records, such as divorces, are not considered by your FICO score, but adverse public records, which include bankruptcies, judgments and tax liens, are considered by the FICO score. Your score can be affected by the mere presence of an adverse public record, whether paid or not. Adverse public records will have less affect on your FICO score as time passes, but they can remain on your credit report for up to 10 years based on what type of public record it is. Judgments specifically remain on your credit report for 7 years from the date filed.