Christine Baker

The following is a background review of relevant information for investigative research on one Christine Baker, defaming companies and individuals in public forums; research & review of all publicly accessible databases for full profile of Baker trying to undermine legitimate business, including possible defamatory comments and unbalanced psychologies behind attacks; research and review of public databases includes all publicly accessible and published comments concerning client or individuals making attack, including use of internet databases, blogs, articles, newspapers, and accessible data.

Christine Larae Baker (5'6"; 180 LBS; Brown Hair; Green eyes; DOB 3-23-59) is a 53 year-old "Consumer Advocate" living in a camper in the high desert of Arizona.

Criminal Record

Multiple arrests and or convictions, including arrested for theft, criminal trespass, violence and fighting, multiple felony drunken driving and severe drunken conduct incidents to get arrested time and time again, and various crimes ranging from ignoring state laws to disorderly conduct in threatening her neighbors or random strangers and FELONY THEFT.

Arrests:

-Criminal trespassing in the 3rd degree 9-7-99

-Disorderly conduct 9-7-99

-Criminal damage/defacement 4-3-00

-Damage property 2-8-01

-Disorderly conduct 5-7-02

-Intimidation/ Threats and harassment w/phone 1-31-03

Convictions:

-D.U.I. 12-9-96

-D.U.I. and Driving on suspended 6-28-99

-Felony Theft 10-09-99

-D.U.I. and DL suspended 10-9-02

-Aggravated D.U.I. 1-16-03

-Aggravated D.U.I. while driving suspended for D.U.I. 1-17-03

-Disorderly conduct 01-22-03

Subject is the admin for several websites, public forums, and blogs containing info on various subjects including: real estate, mortgage, credit, credit repair, credit scoring and reporting, scams, and fraud. Subject believes that credit lenders, debt collectors, credit reporting agencies, debt relief companies, and anyone who disagrees with her to be fraudulent and therefore all business practices are deemed deplorable.

Subject poses as a credit expert to draw in customers for her credit consultations, many of whom have retained her services post of their discontent in her results. Unsatisfied customers post of how they paid for good advice and only received common sense. Many claim they did all the work and she took credit for it.

Subject has filed lawsuit upon lawsuit to "try and make a better America". But it is evident subject cares only about a better Christine Baker. She has filed more than 15 lawsuits in the last 10 years in an attempt to cheat legitimate, FTC compliant companies out of their money. As posted on her sites, subject says she does not want to go back to the 9-5 world.

Subject remains content on running up bills and suing to get out of paying. Subject is intent on finding any and all ways to obtain free money. Subject has attacked any and all persons who do not conform to her beliefs and style of thinking.

One of subject's websites has even been shut down due to a court order in a lawsuit against subject for slander.

It is evident through this research that subject only attacks companies and individuals in an attempt to profit. As posted on her own site (Fight-Back.us), subject states she is closing the forum for the site because no one submitted donations to her.

She proceeds further by calling all so-called "victims" and "ex-employees" of such companies "losers", "morons", and "lazy", further stating that they deserve to get cheated out of their money because no one �donates� money to her to enable her drunken, psychotic lifestyle.

Testimony to her severely unbalanced mental health is her newest web page, graphically entitled WelcometomySUICIDE.org. Subject posts on this site of her intent to commit a public suicide in hopes to bring national attention to credit and credit related problems as well as her own ideals and beliefs.

Although subject obviously suffers from severe chronic-habitual alcoholism and mental instability, she is by no means unintelligent. This, mixed with a strong-willed and stubborn nature, has made her a very dangerous opponent for many legitimate companies, their clients and employees. Her persistence has paid off on several occasions.

Any time her demands are not met, more defiance grows in her, and she will stop at nothing to get her way. Subject may actually believe she is an advocate for the people, doing endless work for free so that others might prosper, even though it is clearly not the case.

Subject has repeatedly contradicted herself in many of her posts.

Her credit experience began in 1984 when she was denied a bank loan due to a charged off account in her husband's name. The loan was for her first computer. After obtaining the money from her family to buy the computer, her first employment began. She started with typing term papers (cheating) for college students in Nebraska while her husband finished his master's degree. She then began working in several factories, much to her dislike. Manual labor did not suit her very well and it would appear, her hatred for real work began here. After her husband finished his Master's Degree, the couple then moved to California. At this point, Ms. Baker's goal was to find an office job that had great benefits. She began working several clerical jobs but, she did not enjoy them. When the landlord informed her of his intent to sell the house, the couple opted to purchase the house.

Her parents supplied the money for a down payment so she could obtain a home loan. After completing the process of buying a house, she became very interested in Real Estate. After buying a second home (of which she admits to creating a fake rental agreement (FRAUD) on the first house to obtain the loan) she decided to get a realtor's license.

She then began working with several mortgage companies and tried being a buyer broker to gain as much knowledge as she could. She ran into trouble when she realized they could not pay for both homes. She then filed her first (of many) lawsuits against Loan America. (Her admitted falsification of her loan application makes it apparent that she has no problem defrauding banks, only paying them.)

Loan America had charged a late fee on her mortgage that she claimed was invalid. Loan America (not wanting to deal with the hassle) settled out of court for $500. At this time she realizes how easy it is to sue instead of pay legitimate fees. Ms. Baker again filed suit against ITT stating fraudulent credit eporting. She was awarded $2000 that an appeals judge reduced to $250.

In 1989 she decided to sell both houses for a bigger home. After the purchase of this house and the ITT lawsuit, she began studying mortgage lending and credit reporting. With this knowledge she began offering credit consultations, as well as advice on real estate and mortgage loans. In 1995 she started Bayhouse.com, a website devoted to explaining Real Estate and mortgage practices and preventing people from �being ripped off by greedy mortgage lenders�. It later expanded into a forum where people could ask questions or simply post their experiences.

At some point between 1994 and 1997 her husband drops off the map. In 1997 she rented out her house and began traveling (All paid for by her "Consumer Advocate" work and of course several lawsuits.) In 1998 she sold the house, bought a camper truck and continued traveling. (For someone who claims to remain broke in fault of efforts to help people, she sure spends a lot of money on traveling.)

Ms. Baker then created CreditForum.org, where she gathered information on credit issues. She then started researching any and all aspects of business for credit lenders, mortgage companies, banks, credit reporting agencies and debt collectors in the belief that all these legitimate FTC approved companies were evil.

At this time she realized how profitable this information could prove to be in the form of lawsuits. Ms. Baker then began suing anyone that did not resolve her disputes in the manner of which she deemed fit. She even sued the FTC for not shutting down companies that performed business practices she believed to be deplorable and fraudulent. When she realized she was giving away information that she could just as easily sell, she shut down postings on CreditForum.org. She opened a new site (CreditFactors.com) that would now charge a subscription fee to obtain the same information one could still look up on the old site.

This site was opened in 2003 and became a solid source of income for her after she was no longer able to obtain credit reports for her customers. Claims of misuse shrouded this decision although never mentioned by subject.

In 2004 another website called FightBack.us was developed. The website was �designed to help consumers fight for their rights and share information and experiences.� It was on this site that she begins to criticize and attack alternative sources of information and/or debt relief, likely, an effort to eliminate competition. She refers to other sources as scammers, scum bags, frauds, liars, and cheats. All of which led to damage to legitimate companies names, as well as the lives of many people who pulled out of their agreements based on her fraudulent claims.

Her blogs and forums (as well as other popular credit and scam related blogs) became overrun with posts of people claiming to have been taken advantage of as well as ex-employees backing up the fraudulent claims. There are many posts under many names claiming to be ex employees. But somehow every story is exactly the same. Not close. Not similar, but nearly verbatim. When 10 people witness an automobile accident, they are going to be at different vantage points, each view the event slightly different. This leads to similar accounts of what happened but never do all 10 people see the situation exactly the same. Each has it's own version.

So this leads to the questioning of the validity of these posts. Any time a blogger stands up for these companies, Ms. Baker alleges that the poster works these companies, creating false posts to con more people. This is more likely the case on her part as questions of the validity of previous posts have already been raised.

As she was posting new information she asked for donations to help her out as she worked tirelessly to defend the so-called "victims". When she received no such donations she decided to close postings on the Fight-Back website, stating that "no one wants to Fight but me". She stated further that all so called "victims", were morons, losers, and just plain lazy, expecting her to do the work for them.

Apparently none of the alleged "victims" or so called "ex-employees" cared enough about Ms. Baker's war on these companies, to donate to �the cause.� She even went as far as to say that all victims who do not donate to her deserve to be ripped off, citing how dumb people are breeding faster than intelligent people. This is clear evidence she does not care about the people. She cares only about the profit.

Ms. Baker will defame any and all who do not conform to her philosophies or beliefs. Calling them morons and idiots, she even disrespects her own bloggers and customers with name calling quite frequently. Another website that was created in 2003 (CreditSuit.org) was shut down by a court order due to slanderous remarks about a Dr. Tamaira Hollander. Refusal to remove the remarks led to the court order and a civil suit against Ms. Baker.

This site also contained a chronological documentary of her lawsuits (of which there are many.) Although she has managed to win some of her civil cases (mostly due to settlement by companies who do not wish to waste time with litigation over such small claims) when she does not win she blames corruption in the court systems. She believes that all court systems are designed to grant the wishes of big corporations.

She also has several more sites and forums open containing the same nonsense as the other sites. She seems to like to post the same information over and over again. These other sites also contain postings of complaints against credit lenders, debt collectors, and credit reporting agencies. She also posts negative comments about several legitimate businesses she has labeled as scammers or frauds.

Again, to further present evidence of her mental problems, she created a website entitled WelcometomySUICIDE.org. On this sit she speaks of how she has tired of fighting for the people for free and no one is listening to her. She feels the only way to be heard is to commit a public suicide. She feels this will bring national attention to her �cause.�(Since profit is her real �cause� that's doubtful.) She claims that she will get her affairs in order and that in one year's time she will be dead.

Press Releases by Christine Baker

Christine Baker uses a website named PRWeb.com to post all of her various press releases. PRWeb.com is a leader in online news and press distribution. Listed below are several summarized versions of such press releases.

October 2007 -Collection Agency Focus Receivables Management Is Sued For Violating FDCPA.

Christine Baker alleges that Focus Receivables threatened to report her unpaid balance of DirecTV service to a reporting agency if she did not pay. Ms. Baker claimed the balance was inaccurate and DirecTV actually owed her. After several phone calls Ms. Baker filed suit naming Focus Receivables, C.E.O. James Hurd, DirecTV, and several other defendants. On the settlement conference all parties agreed she was not liable for charges, however, Focus Receivables and James Hurd continued to deny they violated FDCPA.

February 02, 2006 -Christine Baker Filed Suit against Target, Capital One, And Equifax For Violations of The FCRA. Ms. Baker's claim was that Target did not report the credit card's limit causing the credit bureau to distort its findings, which could lower her credit score by 50 points or more. Judge Neil Wake declared that the FCRA does not require a creditor to report a credit limit. In 2003 Ms. Baker sued the FTC because of their refusal to act on her complaints.

December 23, 2005 -Fraud Alert On Credit Reports Do More Harm Than Good.

When you are a victim identity theft a Fraud Alert is put on your credit report. Ms. Baker became a victim of a fraudulent Fraud Alert preventing her from obtaining credit report. She then filed suit against credit bureau Experian. Although a victim of I.D. theft she did not want the Fraud Alert on her credit report. She also filed suit in 2001 against Tran Union in Arizona for asking her to mail a copy of her Driver's License and SS card to prove identification because of the Fraud Alert.

April 10, 2006 -$5,000,000 Lawsuit Filed Against Verizon Wireless For Collecting A Fraudulent Cell Phone Bill Despite Disputes. Ms. Baker claims that Verizon Wireless charged her for a bill twice. When she tried to dispute the claim they merely sent the bill to another collection agency. She also claims that the stress of the credit issues killed her cosigner and relative Dorothea Weidinger though she did eventually pay the balance owed.

Miss Baker's Public Declaration of Homicidal Intent

"Until recently, I didn't even WANT a gun. I'm now ready to shoot to kill anyone who violates my privacy and trespasses on my property. I've been AGAINST capital punishment, but I'm beginning to wonder whether heads MUST roll to stop the fraud. Remember the French revolution?"

Possible Ongoing Criminal Conduct

Possible extortion campaign against anyone she disagrees with and uses frivolous litigation and internet defamation campaigns to induce criminal conspiracy to elicit and encourage others to illegally wiretap and record conversations without two party consent.

Current Residence

Known address(s) redacted for Ms. Baker's Privacy.

Currently operates as a "Consumer Advocate" living in the high desert of Arizona, where the Mohave Police and Probation office know her on first name basis.