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     | Sunday, May 13, 2001 - 03:49 pm  Mike, there are a number of issues I'd like to clarify to you, the about.com readers, the about.com management, and the BayHouse readers: 1) Because you totally butchered my previous postings with your edits, I am preposting this at BayHouse, for the record. So when you edit or delete THIS posting, you'll only mislead YOUR readers. I believe in free speech more than anything, but I have also asked posters to leave my forum who were very pro corporate and were continually abusive towards people with severe financial problems. However, unlike you, I encourage criticism directed towards myself. There are over 7,000 postings at the Bayhouse Forum since 10/99. NEVER have I edited or deleted a single posting (other than duplicates.) If I don't feel postings are appropriate, i.e. off topic, I simply move those into the appropriate or new topic. 2) You deleted my link to the Patch Adams interview, [Edited out because I can see absolutely no connection to this site.--Mike] Well Mike, that's really too bad. I was looking for a site with people who CARE. Care about others, that is, not only about the cash in their wallet. I suggest you add to your "start page" that compassion is not desired at about.com. For the benefit of MY readers, here's the link again: http://www.artbell.com/topics.html 5/7/01 - Mon/Tue Guest: Dr. Patch Adams Book: Gesundheit!: Bringing Good Health to You, the Medical System, and Society Through Physician Service, Complementary Therapies, Humor, and Joy Book: House Calls: How We Can All Heal the World One Visit at a Time Website: www.patchadams.org I think the archives are only kept for 30 days from the show, so listen to it while you can. I never saw the Patch Adams movie, but this 2 hour interview is WELL worth your time - - IF you are interested in why things are the way they are and what some people like Patch are doing about corruption and greed. - IF you understand that it doesn't matter whether we talk about health care or credit reporting -- those words are interchangeable. The fact is that nations are becoming increasingly irrelevant and the corporations rule everybody. Corporations attempt to control our behaviour by granting and denying credit, by reporting credit, and most important, by utilizing credit scoring. It was GREAT to hear someone who says what he thinks and who couldn't care less about the status quo and who he offends. Truly inspiring! It's not a good way to get rich or elected, but Patch Adams is not one to compromise his principles. If I wore a hat, I'd take it off for Patch Adams. That man has my respect. 3) Mike, you wrote "The staggering numbers of views per day on this Forum, of articles read per day, and of Newsletter subscriptions testify that we must be doing something right at this site." THAT is the problem with about.com. The hits, the ad revenue, that's ALL about.com is about. In typical corporate fashion, it's sickening. It is also why I'm devoting so much time to you and about.com. It's MUCH more important to expose fake consumerism, incompetence and propaganda than it is to tell someone for the 55th time how to dispute an inaccurate collection at the BayHouse Forum. You deleted the link I had posted to the BayHouse credit scoring section, as it violates your policy of not allowing self promotion. Why won't you promote an ad-free forum? I don't get paid for the forum. What is your problem? You are an about.com employee, and you get paid for it. Your job is to get your readers to click on those blinking ads and order some crap they don't need. From the about.com FAQ: "Q. Do I get paid for this? A. All Guides share a portion of 30% of About's net ad revenues. Guides start with a base stipend of $100 as a guarantee against revenue share by meeting certain basic requirements as set forward by the channel editor. Check out compensation for more details." That explains just about everything, including your reaction to my complaint about your awful blinking banner ads. "Follow the money ...." I'm curious, how much do you make, Mike? 4) You wrote: "The fact that your site was not doing well as you suggested at your site and in another posting says something else." I never said that BayHouse wasn't doing well. I'd appreciate the link to that posting. Just for the record, I disabled public posting at the BayHouse Forum because I spent 4+ hours a day answering reader questions, and the ongoing software and hosting problems ate up most of the rest of my day. I didn't have time to pursue my goals: CHANGE credit reporting, ELIMINATE credit scoring, SUE those defrauding and extorting corporations. 5) I posted at YOUR forum: "I can't really say that there is no "good stuff" here, haven't read everything." You responded " ............................. I wouldn't waste my time if I were you-- Mike" If YOU think there's no good stuff at your site, why don't you go do something you do well? I was looking for an ANTI credit scoring discussion - or the very least FACTUAL credit scoring discussion, for anti corporate activism, and for credit related court cases - apparently that's not of interest to you and about.com. I DID read several of your articles on credit scoring. You misspelled Empirica. Your articles are rewrites of mainstream credit scoring articles, heavily influenced by Fair Isaac and CRA propaganda. I read your 2/25/00 article "Improve your credit score" You wrote: "In mortgage lending, for example, 650-675 is very good." Tell that to the people who get denied for a mortgage due to scores below 680 or 660. 720+ is very good. Your article "Increase your credit score" is filled with inaccuracies and nonsense. I'm NOT going to rewrite your article for you so that you can earn your commissions, but you're certainly invited to read the BayHouse Forum. The information is there, for those willing to take the time to read and inform themselves. You wrote: "Credit scoring is based on real data and statistics, so it usually is more reliable than subjective methods. It treats all applicants objectively." That is outrageous. Fact: You wrote your article "Increase your credit score." Assumption: You believe that readers of your article WILL be able to INCREASE their credit scores. Conclusion: Credit scores are lower for people who don't know that credit scoring exists and don't know how to increase their scores. Another conclusion: Credit scoring discriminates, i.e. results in HIGHER scores for people with the time, money, and resources to learn about credit scoring. If somebody reads and understands my recommendations to increase credit scores, they definitely have an unfair advantage. Feel free to reprint my recommendations to increase credit scores with proper credit "by Christine Baker, www.bayhouse.com." KNOWING how to dispute incorrect dates, missing data and incorrect data is one key factor to increasing credit scores. It should be clear to anyone with an IQ above 60 that credit scoring systematically robs the poor and uneducated of the few dollars they have - and I'm talking about people who DO pay their bills on time. At the same time, people with lots of money and/or the info on increasing scores get 0% interest credit cards, at the expense of hard working honest Americans. It's called redistribution of wealth. That's evil. I'll do whatever ** I ** can to stop that. 6) There should be THOUSANDS of complaints about Fair Isaac and the CRAs at Planetfeedback.com. Yet, there wasn't a single complaint about Experian and yesterday I sent off the first complaint. It's fantastic, a copy of my complaint is even forwarded to four legislators. Planetfeedback.com is a for profit corporation, but there are NO obnoxious ads and they handle complaints free of charge. It's too good to be true. I was hoping that about.com would also be a worthwhile site to link to and promote, to refer my readers to for credit answers. Unfortunately, about.com is going the way of epinions.com. Corporate propaganda and member greed destroyed a great idea at Epinions. Mike, I may not agree with you, but in the interest of MY goals, I welcome your postings at BayHouse. At BayHouse you may post whatever you like - guaranteed not to be edited or deleted. You wrote that I made you angry. That's GREAT! I got your attention. You'll never be able to say that you didn't know that credit scoring discriminates against the poor and uneducated, that you didn't know that credit scoring does NOT predict defaults but causes them. It's YOUR karma on the line. Christine Baker copy e-mailed to: work@about-inc.com
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