After what seems like a lifetime of litigation against credit bureaus, Fair Isaac, creditors, collectors, regulators and scammers, I know that most judges and lawyers are as corrupt as any politician. The banks CREATE money out of thin air and the bankers own most nations.

Too many Americans still BELIEVE in their party and representation by the politicians they elect.   They refuse to accept that they’re being played like little kids or should I say trained like rats?

Most people go to work, watch TV, pay their taxes and never think about the REASONS for their financial problems and the widespread corruption.

For the last 9 years I published my litigation and I documented through my client work systemic credit reporting problems and that myFICO’s (formerly Fair Isaac) FICO credit scores are based on buggy software.   The mainstream media ignored me and I watched the finance industry and regulators CREATE the credit crisis.   I wrote about the fraud, the lies and the credit reporting problems, but the industry and the regulators could not possibly have cared less.  My complaints were IGNORED.

I decided to quit.

I’ve been building my home in the Arizona high desert and I’ve learned a lot about building with adobe, growing food and living off the grid.

However, as much as I’d like to stop paying for my server and DSL, I still can’t stop caring.  I know that I can’t change the world, but I CAN change a few lives.   If just a few people finally get a clue, realize that they’re on the fast track to nowhere and quit the rat race, it’s worth the effort.

In winter 2007 I planned on writing a book about my litigation and my many projects, but it is too overwhelming and current events left me no time to write.

I’ve been sued TWICE for defamation in the last year and the devastating litigation greatly motivated me to start Liars and Cheats EXPOSED.

My very first blog here is about doctor [CENSORED]‘s attorney Irving Johnson:

Attorney Irving Johnson’s EXTREMELY Unfair Practices

Liars and Cheats EXPOSED is my effort to organize my litigation, projects and disputes by BLOG.

I’m using the WordPress MU (multi user) software and readers can subscribe to each blog they’re interested in.

Soon I won’t be sitting at the computer 14 – 16 hours a day anymore as so often happened during the last 7 years, but I’ll still make an effort to document some of the MANY injustices my clients and I encounter.

Readers are also welcome to DOCUMENT their problems in their own Liars and Cheats EXPOSED blogs.

Liars and Cheats EXPOSED is not a complaint site where you are limited to submitting a rant, but you can and SHOULD post documentation to substantiate your allegations.  If you’re interested, please contact me.

Christine Baker

Just a FEW of my many investigations, documentaries and websites

(Links open in new windows)

1995 TransAmerica Error — TransAmerica defrauded a widow out of $15,000, she ended up in foreclosure and the “consumer” attorneys wanted $2,000 to send ONE letter to TransAmerica.

Eventually I got her the $15K credit, but it was too late to sell the property then.  I got nothing for hundreds of hours of work and the California Department of Corporations decided that it was just fine that TransAmerica eventually refunded the $15K.

1997 FNMA Fraud — Cindi had already lost her home in foreclosure when she contacted me.  Cindi was a bright single mom and an accountant and her spreadsheets were so convincing, I drove to So Cal to personally review every one of her ORIGINAL money order receipts.

Cindi had made her mortgage payments to her bankruptcy attorney. Unfortunately, the attorney (like so many), was totally incompetent.

Cindi had borrowed $5,000 to pay an attorney.  I spoke with him and he was too stupid to understand the accounting.

We went to the San Bernardino superior court where judge Wake had ruled in favor of FNMA.  The usual accounting fraud and false sworn affidavits got FNMA what they wanted:  profits without any regard for the truth and human lives.

Cindi contacted regulators and politicians, nobody could have cared less. We posted in a San Francisco Bay Area consumer newsgroup and it was devastating to see posts claiming that Cindi had her chance to prove her case in court and that she should just put up and shut up.

Cindi  became suicidal and fortunately could stay with her parents.  Years later, she posted that she did get her house back. I was determined to never again work with people in foreclosure.  The financial and emotional toll are too devastating.

2002: Wells Fargo Home Mortgage, Inc. and the Buckley Firm conspired to defraud Lynette and her family out of her home — Lynette had made her payments for her Wells Fargo mortgage at the bank’s branch and she paid cash.  The payments were NOT credited to her mortgage and Wells Fargo started foreclosing.

Lynette had some, but not all of her receipts for the mortgage payments.  Eventually, after hundreds of hours of unpaid work, Wells Fargo credited the payments for which we had receipts and it modified the loan.

Lynette’s life was destroyed due to the resulting divorce and severe depression.  Every few years Lynette writes to me.  She is NOT ok. Her family was destroyed by Wells Fargo.

To my knowledge, there was never an investigation or explanation for the “disappearing” mortgage payments.

[CENSORED]– doctor [CENSORED] and her attorney Irving Johnson (my upcoming CO Bar complaint blog about attorney Johnson)  sued me to have all REFERENCES to her deleted.

After having entire sites ordered shut down for 6 months and prohibiting me from publicizing this case, judge Gerald Rafferty in the CO Arapahoe district court found that I enjoyed immunity for the link I had posted to doctor [CENSORED]‘s patient’s site.  However, he also ruled that doctor [CENSORED] did NOT commit perjury when she falsely accused me of republishing her patient’s website and of publishing a companion site. She even claimed that I refused to delete defamatory statements while the truth is that I requested identification of any defamatory statements as well as the documentation she claimed to have.

I would like to publicly state what I think of doctor [CENSORED], but apparently I don’t have the right to voice my OPINION.

Doctor [CESORED]‘s harassment suit and her attorney’s mafia tactics greatly motivated me to start Liars and Cheats EXPOSED. This ongoing litigation is on a sure path to the appeals court.  I may not prevail due to the Colorado courts’ prejudice against pro se litigants and because I don’t have the legal knowledge, resources, time and cash required to find justice in America, but the PEOPLE need to know how corrupt attorneys, judges and the court are.

FDRS Scam Exposed — A CLASSIC fraud, set up by Mark Cella to collect THOUSANDS of dollards from consumers overwhelmed with debt.  They claimed to “eliminate” unsecured debts for clients who stopped paying the creditors and paid about 30% of the total debt to FDRS.

Of course they did NOTHING to eliminate the debts.  They promised attorneys to defend creditor suits, but in fact had no attorney and the legal filings they provided to the FDRS clients even resulted in SANCTIONS against the FDRS clients.

Even more atrocious than the FDRS fraud is the California attorney general’s CONDONING this fraud.

I confirmed with Gayle Weller that they received FDRS complaints,  but they determined that is was just fine to provide refunds to the people who submitted complaints and they did NOTHING to stop this fraud.

The damages are FAR greater than the dollars paid to FDRS as the balances for the accounts increased due to fees, interest and attorneys’ fees and MANY were sued and now have their wages garnished.  Not to mention the STRESS of being sued and medical problems and divorces.

If many FDRS clients submit their DAMAGES, I will prepare my published complaint to the California AG and maybe other regulators.

FICO Credit Scoring Formula Bug — In 2007 I documented that the myFICO (formerly Fair Isaac) FICO scoring formula CREATES entirely FICTITIOUS late payments NOT reported by Equifax.

I notified myFICO’s Barry Paperno, but they didn’t bother to fix their software.  Due to software problems at http://creditlegislation.org/ I cannot update or edit the posts there and I will start a new blog on this subject here ASAP.

Foreclosure Tips — My advice.

FTC Complaints — My published complaints on behalf of my clients about Experian, DeVry and collector Portfolio Recovery to the FTC.  The FTC did NOTHING, but at least my clients had the accounts deleted.  In the future, those types of complaints will be posted in new blogs at Liars and Cheats EXPOSED.

Regulatory Efforts — My submissions to the Federal Reserve and the FTC in response to their requests for public comments.  Of course my submissions were IGNORED. While credit reporting and scoring practices continually change, many of the problems I described are still relevant.

IC Systems Suit — The blog about my lawsuit against collector IC Systems.

My Press Releases — My press releases and open letters

Trado — I started the Trado, an alternative currency, but to make it usable, we need payment modules so that merchants can accept PARTIAL Trado payments (similar to providing discounts, but debiting the Trado bank account).  Unfortunately, it takes money to hire developers and I don’t have it.

2010 CreditSuit — My credit and collection litigation and related news.

Credit Repair Scams — The Lexington Law and Bradley Ross (Stephen Snyder) “proprietary” credit dispute letters.  Most people don’t need to pay someone to make themselves look like stupid idiots.

Credit Scoring Basics — Everybody concerned with credit scores should read this primer.

Credit Factors — Blog for Credit Pros and my subscriber credit forum and credit, collection and consulting services.  CreditFactors hosts Liars and Cheats EXPOSED free of charge.

Must See Documentaries — In the last couple years I learned how the bankers create money out of thin air, never pay one penny in interest and then have the nerve to sue us if we can’t pay them back.  I highly recommend watching the FREE online 3.5 hour documentary The Money Masters and reading Ellen Brown’s Web of Debt.

Endgame, TerrorStorm, Zeitgeist: Addendum and some of the other linked free online movies provide additional perspectives on the widespread corruption.

My Bio — It’s a long read about why I do what I do at my first website bayhouse.com.  Unfortunately I’ve been too busy to update the BayHouse site, but while the pages on credit, mortgages and real estates aren’t pretty, the information is still accurate.