Christine Baker -- the wicked witch of credit repair

An additional problem is that Fair Isaac, Trans Union and Equifax are not clear about WHICH dates they are using to age collections and charge-offs.

I would greatly appreciate any letters from collection agency and creditor executives in support of changes to credit scoring and reporting practices.

And of course, donations are accepted.


My goal is to change credit reporting and credit scoring, and to seriously go after collectors who do NOT play by the rules, violate credit reporting requirements and engage in deceptive collection practices.

I am hoping for your support.

"I got tired of trying to explain this over and over to creditors/collectors. I found that they often don't have a clue what their credit reporting does to credit scores.

3/28/03 summary of my phone call to Sam Shannon, OSI Compliance Department.

tel: 678-417-5049 fax: 678-417-5074

I called on behalf of a client in the Air Force, stationed overseas since 98 and somehow he ended up with an NCO charge-off.

Mr. Shannon advised me that OSI has absolutely NOTHING to do with NCO. "They're like Burgerking and McDonalds."

I asked why their collectors didn't tell me that and he replied: "We have offices in 26 states with 7,000 employees and 26 million accounts and a minimum wage collector has no idea about the internal operations of our company."

Does anyone else think it's strange that collectors don't know what company they collect for?

It seems that this old hag somehow scared Wells Fargo into paying her $1,000 and she has been cackling ever since.

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