Pammila Allen
Hello my name is Pammila from Galesburg, Illinois. I like teaching consumers about Credit Reporting Issues. Dealing with ID Theft, Errors on Credit Reports, Mixed / Split Credit Files, Bankruptcy, Credit Counseling, and Debt Settlement. Also teach consumers about the Statute of Limitations and Reporting Periods. I use to work for a small credit bureau and have since worked on Cardratings.com for the last 8 years.
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- Page Views
- 12,529
- Content
- 38
- Fans
- 40
- Contributor since
- 3/1/2010
Education/Experience
Former Credit Bureau Employee 2000 to 2004Interests
Credit Information for consumers, Handwriting Analysis, Music 70 s & 80 s, Movies, Mental IllnessMotto
Knowledge is Power!!!
Displaying Results 1 - 38 (of 38) for All Content
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My Experience Here at Associated ContentJust feedback on my experiences, my goals, and gratitude for the many followers giving support to my work.
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Problem with the Educational System Consurning the Lack of Credit EducationThis is talking about the deficiency of the educational system to keep up with the times in meeting consumer needs.
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Building a Perfect Credit RatingStep by step guide to building credit to impress creditors and employers and tips for keeping good credit.
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Adding Authorized User AccountsThis explains step by step instructions for adding Authorized User Accounts to benefit the credit rating. And practicing common sense respect for the owner of the account.
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Problems Associated with a Bad Credit RatingBad credit is a serious problem, with multiple effects on a consumers financial well being, as well as the effects on the consumer's credit rating, and the emotional well being of the consumer.
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Opting Out of Mail and Phone SolicitationsTalks about the various forms of consumer marketing, and talks about opting out of the various marketing companies.
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Misuse of Children's Personal Information to Establish Credit by a ParentThis article talks about Parents misusing their children's personal information to establish credit for their own personal use. Also talks about what to do to remedy the problem.
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Official State Web Sites and Official Bankruptcy Web Sites2010 list of the US official state web sites and the US official state bankruptcy web sites.
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What is a Charge OffTalks about how a charge off happens, the reporting periods and statute of limitation attached to the charge off. The 1099-C if consumer settles for less than full balance.
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How Consumers Get Multiple Reporting on Collection AccountsThis is to explain how the creditors in combination with the collection agencies report certain accounts depending on if it was assigned or sold. simultaneously
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Job Hunting, Resumes, and Improving Work SkillsCovers observations of job hunting experience to pass on to others seeking employment.
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Illinois Residents Affected by Unfair Driver's License Renewal Fee Increase!This is to inform Illinois residents about the unfair increase that just went info affect for 2010.
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Ways to Protect Your Credit CardTips to follow when you own Credit Cards.
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The Problem with Consumer Credit Scores!Credit Reporting Agencies have been misleading consumers about the worth of the consumer credit scores obtained.
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Credit Monitoring Services Vs. Credit Reporting AgenciesJust comparing the difference between using a credit monitoring service verses a credit reporting agency.
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About Credit Reporting AgenciesJust an article about odd facts concerning credit reporting agencies.
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Divorce and Your Credit RatingThis is just a warning to consumers going through divorce of some issues they may be dealing with.
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Recipe: Buffalo ChipsThis recipe consists of hamburger, hot sausage, and Velveeta Cheese with spices.
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How Credit Report Inquiries WorkAll in one explanation on different types of inquiries and how they affect consumer credit.
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The Credit Card Reform Act Regarding Underage ConsumersInformation for Underage Consumers about the new Credit Card Reform Act of 2009
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Skip Tracing when Consumers Owe Outstanding DebtHow Skip Tracing works when collection agencies are trying to locate missing consumers.
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Abbreviations Used by Consumers when Talking About Credit Related IssuesThis is just a fun fact list of all the common abbreviations used by consumers when talking about credit related issues. It is a good to know if consumers wander on to the various credit message boards out here on the Internet.
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Tips for Handling Disputes with the Credit Reporting AgenciesTalks about the best approach to take when disputing.
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Understanding Layout of Consumer Credit ReportsBreak down of what is contained in a credit report and key notes of interest.
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Ordering Credit ReportsInformation and Tips for accessing Consumer Credit Reports
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Living with Multiple Disorders (Mental Illness)Just some observations of personal experiences with mental illness.
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Tips Regarding Mortgage LoansThis is just bits and pieces of information to consider when dealing with Mortgage Loans.
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How Mixed / Split Credit Files Happen and What to Do to FixThis is an overview of mix and split credit files. How it happens, and what to do to fix the problem.
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What to Do If You Are a Victim of ID TheftThis article outlines some of the forms of ID Theft, and what to do depending on your individual situation.
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Dealing with JudgmentsThis article talks about judgments and what to do if you find yourself dealing with a judgment.
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Ways to Save MoneyTalk about various ways to cut back or save money.
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Credit ScoringThis is an article listing credit scoring factors and notes that are helpful to improve each area.
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Shopping for New CreditJust a tip guide to go through before applying for credit.
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How to Fix Over the Limit ReportingTalks about the problems with going over your credit limit and how to fix the negative reporting caused by the over the limit reporting.
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Reporting Periods for Information Contained on Consumer Credit ReportsThis article gives a rundown on the various reporting times depending on the data contained in the credit report.
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When Settling Delinquent DebtHere is a review of issues affecting consumers that are settling on past due debt, to best benefit improving their credit at the same time.
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How to Request Late Listings Be Removed Off a Credit ReportIt is important to enact damage control as soon as you are late, here is a step by step guide to resolve the problem.
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What to Do When Filing for BankruptcyWhen filing bankruptcy consumers need to gather information, update the credit reporting agencies and so forth.