As an individual, you can do little to 'screw her credit score up', other than getting a judgement against her, and making sure that the judgement is reported on her credit report. Getting a judgement would require that you sue her in Seattle. So you would probably have to hire an attorney. Some attorneys specialize in collections.I tried googling 'hire collection agency'. I found several articles that mentioned both agencies and attorneys, including these: http://www.allbusiness.com/business-finance/cash-management-collections/729-1.htmlhttp://findarticles.com/p/articles/mi_m1154/is_5_87/ai_54443743AJ
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