849 lines
44 KiB
Plaintext
849 lines
44 KiB
Plaintext
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==============================================================================
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RELEASED ON 10/01/91
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==============================================================================
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###. #############. ############### .############# .###
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___###::_ #############:: ############### ::#############__.:###_
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|_ |#| | |#| __|###| _|:| |#| |#|__ |:| |###| __|#|_ |:| __|
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| |.| | |.| _|..##| |...| | |.| V |.|~~ |.| |##.| _|#...| |.| _|
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| |.| |.| |..###| |.::| | |.| | |.| _|.| |##.| |####.| |.| |_
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|_|.|_|_|.|___|###|___|:|___|.|_|_|.|_|#:.|___|.|___|##.|_|.|___|
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..#:.. .##....####....:#....#...#..###:....##....####. ::....
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###::: #############:::###############:::############# :::###
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::::: ::::::::::::::: ::::::::::::: ::::::::::::::: :::::
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:::: :::::::::::::: ::::::::::: :::::::::::::: ::::
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###### ######## ####
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########## #### #### #### M A N U A L O F O P E R A T I O N S
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#### #### #### #### #### ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
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### ######### #### Written by Video Vindicator
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#### #### #### #### #### Additional Info from /<ludge
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########## #### #### #### Special Thanks to All CBI Employees
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###### ########## ####
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==============================================================================
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INTRODUCTION
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~~~~~~~~~~~~
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Welcome to The Complete CBI (Equifax) Manual. This file is both a compilation
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of information from both me (Video Vindicator), /<ludge, and The White Rider.
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The object of this file is to disband all the mis-information all over the
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place concerning CBI, and to help new users to use this service to the peak
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of it's potential. CBI can be a very powerful tool if used properly, and it
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can also be close to worthless if you don't know what you are doing, or are
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doing it improperly. This file also has three sister-files, Equifax Info (by
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/<ludge), and Carding My Way (1 & 2) as well as the CBI Account and Merchant
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directory (all by me). These files are all very useful reading as well, and do
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contain some info which it just wasn't fesable to include.
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Once again it's time to go for my disclaimer, and I must point out that I
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speak only for me, and not for /<ludge (he can speak for himself quite well you
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know). I don't care how you use this info, as long as it's in some sort of
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illegal or immoral way. I do not solicite or condone the legal uses of this
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system, and or this file.
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A BASIC OVERVIEW OF THE ACCOUNT
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~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
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CBI accounts all follow a certain pattern, and by learning this pattern you
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can maximize the effects of your pulls, and cover your activities as much as
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possible. For example, it's is alot more uncommon for a Hospital to pull the
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person's file who's out of state, whereas a Collection Agency would do this
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without anyone noticing. Here's a general idea of the account format:
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2 Char Alphanumeric Up to 5 chars, Operators Name or Initials
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Password \ /
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\ / Printer on/off
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\ / /
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xxxLLxxxxx-xx,xxxxx,pull type,output to,turnication.[CTRL-S]
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/ \ \ \ \
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/ \ Business ID \ Cut Lines
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/ \ \
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3 numbers which Type of Either A,B,D,E,F,I,P,Q,U,V,W,X,Y,Z
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represent the Business (defines later on in the file)
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merchants location
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Here's some examples of what a real account would look like:
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444AN1923-ZX,JT,P,,3. 162BB44911-P8,LH,E,A,3. 906ON201-R1,MT,DZ,,3.
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These, of course, aren't valid, but they give you the idea of the setup of the
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accounts. Every time you pull up someones credit history, your list of accounts
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(but not passwords) will grow, and can be utilized when the current account
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dies.
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The First group of 3 numbers represent the state that the company originates
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from, and their basic geographic location in the state. There can be many 3
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number identifiers for each state, and they aren't in any real order, so 111 &
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113 might be Wyoming, while 112 might be Oregan. They are alot like Social
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Security numbers, and only expand when needed. Currently they span only from
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139 to 906, but 907-999 have been left open and initialized, which would lead
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me to believe they plan to have to expand into their sometime in the future.
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The second group of 2 chars represent whatever type of company this may happen
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to be. Below is a current list of all the ones I have compiles, although this
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is updated in my file quarterly:
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ID COMPANY TYPE ID COMPANY TYPE
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== - ============================ == - =============================
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AA - (?) Equifax Non-Members AN - Car Dealerships
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AT - Car Tires AU - (?) Auto Wholesalers
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AZ - (?) Car Leasing BB - Bank-Related Accounts
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CG - Clothing Stores CS - UNKNOWN
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DC - Department Stores DM - (?) Catalog Store CC's
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DV - UNKNOWN DZ - UNKNOWN
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FA - Auto Manufaturing Loans FC - Federal Credit Unions
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FF - Financial Services -Loans FM - Home Mortgage
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FP - (?) Secured Loans FS - (?) Savings Bonds
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FZ - Student Loans HF - Furniture/Appliance Stores
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HT - UNKNOWN HZ - UNKNOWN
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IG - Insurance Companies JA - Jewelery Stores
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KZ - UNKNOWN LH - UNKNOWN
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LP - Paint Stores LY - UNKNOWN
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LZ - UNKNOWN MH - Hospitals
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MZ - (?) Medical-Related OC - Oil (Gasoline) Companies
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ON - Non-Revolving CC's PA - UNKNOWN
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RE - Real Estate Companies RA - Apartment Complex's
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RZ - UNKNOWN SM - Motorcycle Dealers
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UE - Utilities -Electricity UG - Utilities -Natual Gas
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UT - Phone Services (Like MCI) VC - City/County Lawsuits
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VF - UNKNOWN XZ - UNKNOWN
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YC - Collection Agencies ZB - Credit Bureaus
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ZR - UNKNOWN ZS - UNKNOWN
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ZW - UNKNOWN ZZ - UNKNOWN
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The ones with a (?) before the type means that I am not sure that it is this
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type of company, but that it is my best guess. Some are still listed as unknown
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because I have not gotten enough information on them in order to formulate a
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good guess. By using this list you can target certain companies, and find
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exactly what you want to appear to be.
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The Business ID number is a 1 to 5 character number that simply represents
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which store or business it happens to be. This is of no real value to us, other
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than for reference. Later on in the file I will cover this more completely,
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since it is the real heart of the account, other than the password.
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Following the Business ID is a dash (-) and then a 2 character alphanumeric
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(meaning it can be either numbers or letters) which is the accounts password.
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If the account dies, and you wish to continue using it, it is always possible
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to just hack out the new one, since only these two chars changed.
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Next is the operators name or initials. In most cases this is the operators
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initals (so John Doe would be JD), although in some rare cases it is actually
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a name (so John Doe might be JOHN). Some companies have fixed operators, and
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this will have to be hacked as well, although some do not, and anyones initials
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can be put here without detection. One default initial setting is 'MC', so I
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would recommend using it when the proper one is not given with the rest of the
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account information.
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Ok, here's the most important part of the account (aside from the password),
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this specifies what type of credit report you want, and/or what format you
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would like it it. Here's a list of the types that can be used, and a brief
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description as well as an example pullup:
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THE TEST SUBJECT
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~~~~~~~~~~~~~~~~
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Our test subject will be Kelly J. Kramer. Here is what you would see at the
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top of each pull, no matter how you did it:
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* 102 CREDIT ACCOUNTS REPORTING SERVICES
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1333 N 27TH BOX 20661 BILLINGS MT 59109 406/252-6375
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*KRAMER,KELLY,J,,SHARON SINCE 10/03/90 FAD 09/18/91 FN-218
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2501,8TH,RD,HUNTLEY,MT,59037,DAT RPTD 09/91
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BOX 90,PO,,WORDEN,MT,59088,DAT RPTD 10/90
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4707,CHRISTENSEN,,BILLINGS,MT,59101,DAT RPTD 02/91
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BDS-06/28/67,SSS-517-80-1543
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The first piece of information you get is the specific place the database is
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located, and the subsidiaries name; in this case 'Credit Accounts Reporting
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Services', located at 1333 North 27th Box 20661, etc... Next is the persons
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last name, then first, middle initial (or name if on file), and then a space
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for Jr, Sr, etc, then finally the spouses name (if any), in this case Sharon.
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SINCE means when the file was originally created, and FAD means the last time
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the file was accessed by someone else. The FN represents the file number, but
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at this point it's only useful for reference. The next three lines represent
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the last three addresses, from most recent to oldest, and the last date the
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subject was reported at it. The final line (which is not alway there) will
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show the date of birth (BDS), and Social Security Number (SSS). In some cases
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it will only tell you the persons age; if this happens then try pulling the
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file by one of the other methods. Now onto the specifics...
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THE LETTER A
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~~~~~~~~~~~~
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The Letter A simply stands for [A]lert, and is usually not a standalone (term
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is explained later). It will tell you if anything in the report is something
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you should take extra note of.
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*SUM-10/90-08/91,PR/OI-NO,FB-NO, ACCTS:2,HC$2000-9580, 2-ONES.
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INQUIRY ALERT - SUBJECT SHOWS 9 INQUIRIES SINCE 06/91
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-------------------------------------------------------------------------------
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*INQS-IAR AFFIRM 613RZ00140 09/18/91 DAT EMPL 613RZ00140 09/18/91
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AFFIRMATIV 613RZ140 09/18/91 IAR INTEGR 613BB01199 09/04/91
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DAT EMPL 613BB01199 09/04/91 F INT BILG 898BB387 09/03/91
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INTEGRATEC 613BB1199 08/15/91 GREEN TREE 613FP15698 07/29/91
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F INT BILG 898BB387 06/10/91 GRNTREE 896FM24 02/21/91
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BANK ONE 674BB1065 10/03/90 &
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END OF REPORT EQUIFAX AND AFFILIATES - 09/18/91
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Ok, the *SUM line will also remain mostly the same, although I will include it
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in each of the methods, as a point of reference. SUM stands for Summary from
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begining date to last updated date. PR/OI means whether or not the person has
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other files open, such as a lien on their house, a legal judgement, etc. FB
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means whether or not the information was gathered from another credit service.
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It is not uncommon to see a file with an inquery from either TRW or Trans Union
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since they all reference through eachother when in doubt. Next is ACCTS, which
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tells you how many open accounts they currently have, followed by the amount
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added to the amount owed thus equalling their High Credit Limit... I don't mean
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for it to sound harded than it is, but here's basically what it looks like:
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$2000 + $9580 = $11580
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The $2000 is the amount they haved paid off, the $9580 is the amount they owe,
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and the $11580 is their High Credit Limit. If the amount paid off is $0, then
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the next number is the High Credit limit, and not the amount owed. Following
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this is a number, followed by a one, two, three, etc on up to nine. The number
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(typed) represents the number of accounts, where the number (written) represents
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their certain payment history. A one means they pay within 30 days, two means
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60 days, three means 90, etc. eight means a repossesion (voluntary or other-
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wise), and a nine means you can only DREAM of owning a Visa again.
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Ok, now you see the 'A' in action, it alerts you to the fact 9 companies
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have pulled up her account since June of 91 (6/91). These usually looks pretty
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bad, but inqueries rotate off in around a year or two. Now lets take a look
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at the inqueries...
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They are set up this way, the company abbreviation, the company account, and
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then finanlly the date the file was pulled by the specific organization. If
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the merchant name abbreviation is preceeded with a 'IAR', then it means it was
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a pullup of their Inquery History. If it is replaced with a 'DAT EMPL', then
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this means the company is planning on employing this person, and did an employ-
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ment pull.
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That concludes the file, and it is then stamped with the same generic ending
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and dated (wow, much like my gfiles!)
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THE LETTER B
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~~~~~~~~~~~~
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The letter B asks for a [B]alance to be listed, sort of an easier way to see
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exactly what the person's High Credit, amount past due, and current ballances
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are. Here's an example pullup:
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*SUM-10/90-08/91,PR/OI-NO,FB-NO, ACCTS:2,HC$2000-9580, 2-ONES.
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INQUIRY ALERT - SUBJECT SHOWS 9 INQUIRIES SINCE 06/91
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-------------------------------------------------------------------------------
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PAST DUE HIGH CREDIT BAL
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GRAND TOTAL 0 11580 9682
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-------------------------------------------------------------------------------
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*INQS-IAR AFFIRM 613RZ00140 09/18/91 DAT EMPL 613RZ00140 09/18/91
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AFFIRMATIV 613RZ140 09/18/91 IAR INTEGR 613BB01199 09/04/91
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DAT EMPL 613BB01199 09/04/91 F INT BILG 898BB387 09/03/91
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INTEGRATEC 613BB1199 08/15/91 GREEN TREE 613FP15698 07/29/91
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F INT BILG 898BB387 06/10/91 GRNTREE 896FM24 02/21/91
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BANK ONE 674BB1065 10/03/90 &
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END OF REPORT EQUIFAX AND AFFILIATES - 09/18/91
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It is pretty much self explanitory, so you can figue it out yourself.
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THE LETTER D
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~~~~~~~~~~~~
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The letter D turns on the online [D]irectory, which then gives you the phone
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number (if available) for every company listed in the pullup. This file is not
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a standalone and must be used in a group. Here is an example of what you would
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see added to the file:
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* MEMBER # COMP. NAME TELEPHONE * MEMBER # COMP. NAME TELEPHONE
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148BB917 BK1-DAY-VI 513-4491492 898BB49 F INT BILG 406-2555000
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613RZ140 AFFIRMATIV 612-4718501 898BB387 F INT BILG 406-2555000
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613FP15698 GREEN TREE 406-7287560 896FM24 GRNTREE 406-7287560
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674BB1065 BANK ONE 513-4494933
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&
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You should be able to figure out just what this means... Account/Name/Number,
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boy, nothing could be simpler.
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THE LETTER E
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~~~~~~~~~~~~
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The letter E is for [E]mployment pulls, which are supposed to be for employment
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verification only. The only signifigate difference between this an P is the
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fact this removes all the account numbers from the file. These pulls are
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preceeded with this:
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**PERSONA-FILE FOR EMPLOYMENT PURPOSES**
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then continue on like a normal pull like we've seen, except now we see this
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added:
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* FIRM/ID CODE RPTD OPND H/C TRM BAL P/D CS MR ECOA ACCOUNT NUMBER
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BK1-DAY-VI*148BB917 07/91 10/90 2000 10 217 R1 09 I
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AMOUNT IN H/C COLUMN IS CREDIT LIMIT
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F INT BILG*898BB49 08/91 06/91 9580 259 9465 I1 01 J
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&
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END OF REPORT EQUIFAX AND AFFILIATES - 09/18/91
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What this represents is this, the FIRM/ID code is simply the name of the merch
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and their account number. RPTD is the last date the specific account was used,
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or in other words RePorTeD. Then is the date the account was OPeNeD, followed
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by the [H]igh/[C]redit, which in the case of credit cards is their limit, then
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the term, which represents how long they have had the specific account, or
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what the monthly payment is. BAL is plainly the current BALlance (as of the
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last date reported), then the P/D (or Past/Due) area. CS is the rating and
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type of account, MR refers to the Months Reviewed, ECOA refers to the type
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of account (Individual, Authorized, etc), and finally Account number, where
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the magic numbers would be.
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THE LETTER F
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~~~~~~~~~~~~
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The letter F sets up the file or account area in a little different way,
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which is a bit easier to read and follow. The terms are all the same, the
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configueation is just a bit different... Notice now we recieve the full visa
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number for the first account. I don't mean the COMPLETE visa number since this
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specific bank cuts off the last 4 digits of the card, so if it was a 16 digit,
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we would get 12, or a 13 digit (like this case), we get 9...
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*SUM-10/90-08/91,PR/OI-NO,COLL-NO,FB-NO, ACCTS:2,HC$2000-9580, 2-ONES.
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INQUIRY ALERT - SUBJECT SHOWS 9 INQUIRIES SINCE 06/91
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FIRM / IDENT CODE CS RPTD LIMIT HICR BAL $ DLA MR (30-60-90+)MAX/DEL
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ECOA/ACCOUNT NUMBER OPND P/DUE TERM 24 MONTH HISTORY
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-------------------------------------------------------------------------------
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BK1-DAY-VI*148BB917 R1 07/91 2000 --- 217 07/91 09
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I/4384xxxxxxxxx 10/90 --- 10
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REVOLVING TOTALS 2000 --- 217
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--- 10
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-------------------------------------------------------------------------------
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F INT BILG*898BB49 I1 08/91 --- 9580 9465 07/91 01
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J/1000xxxxxxxxxxxx 06/91 --- 259
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INSTALLMENT TOTALS --- 9580 9465
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--- 259
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-------------------------------------------------------------------------------
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GRAND TOTALS 2000 9580 9682
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--- 269
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-------------------------------------------------------------------------------
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THE LETTER I
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~~~~~~~~~~~~
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The letter I is for [I]dentification, which is what this file pull is used
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for. It does not create an inquery into the file, but only displays the name,
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last 3 addresses, DOB and SSN. One note of this; if when you pulled the person
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with P and it only listed the age, try with I and you usually will get the full
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date of birth.
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THE LETTER P
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~~~~~~~~~~~~
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The letter P is for [P]rimary, since this is the most commonly used method
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of pulling someone's stats. P Pulls look just like an A pull with a E pull
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(except account numbers ARE listed this way). Here's a complete P pull-
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* 102 CREDIT ACCOUNTS REPORTING SERVICES
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1333 N 27TH BOX 20661 BILLINGS MT 59109 406/252-6375
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*KRAMER,KELLY,J,,SHARON SINCE 10/03/90 FAD 09/18/91 FN-210
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2501,8TH,RD,HUNTLEY,MT,59037,DAT RPTD 09/91
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BOX 90,PO,,WORDEN,MT,59088,DAT RPTD 10/90
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4707,CHRISTENSEN,,BILLINGS,MT,59101,DAT RPTD 02/91
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BDS-06/28/67,SSS-517-80-1543
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*SUM-10/90-08/91,PR/OI-NO,FB-NO, ACCTS:2,HC$2000-9580, 2-ONES.
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*INQS-SUBJECT SHOWS 6 INQUIRIES SINCE 06/91
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IAR INTEGR 613BB01199 09/04/91 DAT EMPL 613BB01199 09/04/91
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F INT BILG 898BB387 09/03/91 INTEGRATEC 613BB1199 08/15/91
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GREEN TREE 613FP15698 07/29/91 F INT BILG 898BB387 06/10/91
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GRNTREE 896FM24 02/21/91 BANK ONE 674BB1065 10/03/90
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* FIRM/ID CODE RPTD OPND H/C TRM BAL P/D CS MR ECOA ACCOUNT NUMBER
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BK1-DAY-VI*148BB917 07/91 10/90 2000 10 217 R1 09 I 4384xxxxxxxxx
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AMOUNT IN H/C COLUMN IS CREDIT LIMIT
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F INT BILG*898BB49 08/91 06/91 9580 259 9465 I1 01 J 1000xxxxxxxxxxx
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&
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END OF REPORT EQUIFAX AND AFFILIATES - 09/18/91
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THE LETTER Q
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~~~~~~~~~~~~
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The letter Q is for In[Q]ueries, and what this lists is simply the persons
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stats along with all the inqueries on file. You will rarely have occasion to
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use this type of pull, since it's standard in all the others.
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THE LETTER U/V/W/X
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~~~~~~~~~~~~~~~~~~
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I have not been able to find very much as far as the way in differences between
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these types of pulls. They all essencially list this before the file, and then
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follow it with a P pull.
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D.A.S. SCORE (WEST MODEL): 331 02061/08021/02058/03222
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NUMBER OF INQUIRIES - LAST 12 MONTHS
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UTILIZATION OF AVAILABLE CREDIT ON ALL ACCOUNTS
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NUMBER OF MONTHS SINCE LAST INQUIRY
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NUMBER OF REVOLVING BANK ACCOUNTS OPENED - LAST 2 YEARS
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BEACON NOT AVAILABLE, PLEASE CONTACT YOUR SALES REP
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It probably is best to just avoid these, since it is unknown what exactly they
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do or don't do, and since I have no idea what the Beacon is.
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THE LETTER Z
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~~~~~~~~~~~~
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The letter Z in much like P in the fact that it pulls full info, but it also
|
|
included the DAS scoring system (like the above). It's usually easy just to
|
|
list this at the end of a compound pull structure since it's the last letter in
|
|
the alphabet.
|
|
|
|
|
|
COMPOUND PULL STRUCTURES
|
|
~~~~~~~~~~~~~~~~~~~~~~~~
|
|
It is possible to compoud this differnt types of pulls, to get one which suits
|
|
your needs better. So if you wanted a full pull, with online directory, you'd
|
|
enter DZ. Or with Alarm, ADZ. Or with the alt file struct, ADFZ. The main
|
|
thing you want to do is always enter them in alphabetical order. This will
|
|
make your pulls quite alot nicer and easier (as well as complete!).
|
|
|
|
|
|
LOGGING ON TO CBI
|
|
~~~~~~~~~~~~~~~~~
|
|
Logging on is probably the easies portion of this text, since it is so basic.
|
|
All you do is dial the number through whichever service you choose, and connect
|
|
at 7E1. Most ports are 1200, although they are now upgrading a few to 2400
|
|
(either way is nice, but for lots of pull's 24 is hot). Once connected CBI
|
|
will not prompt you, and you must send a [CTRL-S] and wait. If it recieved it
|
|
properly, it should respond '(CB) Please Sign On.'. At this point you enter
|
|
the password, followed by another [CTRL-S]. If the account is valid it should
|
|
respond with something along the lines of 'D2D2 - Proceed.' Some ports will
|
|
give you the specific location the account is in, when it is a global account.
|
|
In these instances it will respond 'A-xxx Proceed.'. Where the xxx is repre-
|
|
sents the location, here is a current table:
|
|
|
|
ST RANGE ST RANGE ST RANGE ST RANGE
|
|
--+----------- --+----------- --+----------- --+-----------
|
|
WA 980-994 OR 970-979 CA 900-966 ID 832-838
|
|
UT 840-838 AZ 850-865 MT 590-599 WY 820-831
|
|
CO 800-816 NM 870-884 ND 580-588 SD 570-577
|
|
NE 680-693 KS 660-679 OK 730-749 TX 750-799
|
|
MN 550-567 IA 500-528 MO 630-658 AR 716-729
|
|
LA 700-714 WI 530-549 IL 600-629 MS 386-397
|
|
MI 480-499 OH 430-458 KY 400-427 TN 370-385
|
|
AL 350-369 OH 430-458 GA 300-319 WV 247-268
|
|
ME 039-049 NY 090-149 PA 150-196 VA 220-246
|
|
NC 270-289 SC 290-299 FL 320-349 NH 030-038
|
|
VT 050-059 MA 010-027 RI 028-029 CT 060-069
|
|
NJ 070-089 DE 197-199 MD 206-219 DC 200-205
|
|
HI 995-999 VI 008 GUAM 969 PR 006,007,009
|
|
|
|
Now you are ready to pull the file, so on with the next part
|
|
|
|
|
|
SOCIAL SECURITY PULLS
|
|
~~~~~~~~~~~~~~~~~~~~~
|
|
The first method of pulling someones record is via their social security
|
|
number. This method you enter the information as follows:
|
|
|
|
Tells CBI its a SSN First part of SSN, represents issueing state
|
|
\ /
|
|
DTEC-xxx-xx-xxxx.[CTRL-S]
|
|
/ \
|
|
Second Part, represents Last part, completely random and
|
|
issueing year represents the person
|
|
|
|
All commands with CBI are ended with a period '.' and [CTRL-S]. Returns are
|
|
for the most part invisible to CBI, and they will be ignored. For more info
|
|
on the structures of social security numbers, please refer to CMY-3. As I have
|
|
stated before, in other files, I prefer to do my pulls from random DTEC'ing,
|
|
since you cover a much larger geographic location (you pretty much just target
|
|
a certain state), whereas with name/address you are pulling from just on local
|
|
area and it makes the tracking of you much, much easier. DTEC'ing is then
|
|
followed by the next method, to actually pull the account.
|
|
|
|
|
|
NAME/ADDRESS PULLS
|
|
~~~~~~~~~~~~~~~~~~
|
|
The main method of pulling up someones file is by entering their full name
|
|
and one of their past three addresses (if listed in their account). You enter
|
|
the data in this format:
|
|
|
|
NM-last name,first name,middle inital (or name).[RETURN]
|
|
CA-street number,street name,street type,city,st,zip.[CTRL-S]
|
|
|
|
So, the pullup on our test subject would be:
|
|
|
|
NM-KRAMER,KELLY,J.[RETURN]
|
|
CA-2501,8TH,RD,HUNTLEY,MT,59037.[CTRL-S]
|
|
|
|
CBI is not case sensitive, I simply do it for effect (hehe). You may also
|
|
add this to the file, in case you were having problems with the pull:
|
|
|
|
ID-SSS-xxx-xx-xxxx. or for above case ID-SSS-517-80-1543.
|
|
|
|
to use the Social Security number as a match, or enter:
|
|
|
|
ID-RPTD-street number,street name,street type,city,st,zip.
|
|
or for the above case
|
|
ID-RPTD-1234,GENERIC,LN,HAPPYVILLE,MT,59000.
|
|
|
|
This will update the last reported address to whatever you entered. These are
|
|
both completely optional, and I very rarely find need to do either. About the
|
|
only real interesting use of this is one strange note on CBI... Whenever you
|
|
attempt to pull up someone by name/address, and they don't have a file, you
|
|
create one (unintentionally, in most cases) with the information you entered.
|
|
Now, if you enter with the ID-SSS as another, you would then not only include
|
|
the name and address, but the SSN as well (just if you were wondering, in CBI's
|
|
mind SSS stands for Social Security Sequence).
|
|
Ok, a little point to clarify on the CA line is this, the street type area
|
|
will list one of the following abbreviations:
|
|
|
|
LN - Lane BLVD - Boulivard WY - Way PK - Pike ST - Street
|
|
CT - Court HWY - Highway DR - Drive AV - Avenue
|
|
|
|
They are pretty basic, so I don't think you'll have any real problem comprehend
|
|
ing their uses. One other note, but this on the NM line. If the person is a
|
|
Junior (JR), or a Serior (SR), add this to the end of the line, before the
|
|
period. This will help if you are having problems pulling the son and you're
|
|
always getting the father.
|
|
|
|
|
|
SEARCHING FOR A COMPANIES STATS
|
|
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
|
|
If, for some reason you would like to search out and find information on a
|
|
peticular company which uses CBI, then you use the wonderful command 'ardt'.
|
|
I had first seen the command in a CBI Terminal that someone released a while
|
|
back, but wasn't reminded of it until I read a Text file written by Speed Demon
|
|
who overviewed the basic uses of the command. The format is as follows:
|
|
|
|
After login, or if an account is listed as invalid at the specific port,
|
|
you enter:
|
|
ARTD.[ctrl-s]
|
|
|
|
It will then respond with 'PROCEED.', and you're ready to rock. Now just
|
|
enter artd again, the command-specific dash, and then the companies account
|
|
number. Lets use 613bb1199 for example:
|
|
|
|
ARTD-613bb1199.[ctrl-s]
|
|
|
|
Now it will print either one of three things:
|
|
|
|
INVALID CUST NUMBER - 613BB1199.
|
|
|
|
Which means it is a completely invalid account, and never fit their account
|
|
algorhythm (which I will cover later in the file). Or...
|
|
|
|
NO RECORD FOUND FOR - 613BB01199
|
|
|
|
Which means it does fit the account algorhythm, but is not currently assigned
|
|
to a specific company any longer. This is helpful in checking the evolution
|
|
of a account chain. Or finally...
|
|
|
|
CUST-613BB01199
|
|
NAME-INTEGRATEC RECEIVABLE MGMT ABBRV-INTEGRATEC
|
|
ADDRS-PO BOX 36403 PHONE-
|
|
CITY-HOUSTON ST-TX ZIP-77036
|
|
|
|
This is pretty self-explanitory. If you struck out twice, the third has got to
|
|
be a hit. CUST is the merchant's account, ABBRV is the abbreviation you see in
|
|
the comment field of a pull, NAME is the complete company name, ADDRS is the
|
|
address of the company, PHONE the phone number, etc... This can be helpful for
|
|
either verifying what the person's credit history is comprised of, or just for
|
|
reference.
|
|
When CBI echos back a proper CBI customer account, it will fill all of the
|
|
five digit spaces. This is simply so the terms (which also do this type of pull
|
|
to store on the system) can have a specific field buffer size, which will never
|
|
fluxuate. CBI does not see the zeros listed before.
|
|
When you are done, all you do is type:
|
|
ARDT-END.[ctrl-s]
|
|
|
|
And you're out. Simple as that. This command is fairly useful, but mainly
|
|
just for information gathering.
|
|
|
|
|
|
THE CBI ACCOUNT ALGORHYTHM
|
|
~~~~~~~~~~~~~~~~~~~~~~~~~~
|
|
So far in the file, I've covered what the first group of three covers, and
|
|
what the two letters mean, well... Now it's time for the final five digits. Ok,
|
|
they have no real reference to the company, other than CBI use's this info for
|
|
their reference, but contrary to popular belief, the pattern is there and very
|
|
evident once you see it. Ok, the first step in the CBI system is to realize
|
|
the givens concerning the number. They are:
|
|
|
|
.1. There is one account space reserved every for every nine empty
|
|
.2. There is never more than or less than ten per hundred
|
|
.3. The additive sum of the number increases by ten every two-hundred
|
|
.4. The additive sum loops every hundred
|
|
.5. The account evolves in ninty-nines from the first number of ten
|
|
.6. The first number of the chain is between one and nine, never zero
|
|
.7. Every fifty will flip the numbers odd/even quality
|
|
|
|
Ok, well, that seems really complex, but in reality it isn't. It's mainly just
|
|
a game of adding 99 to the base number, the rest will just fall into place. Ok,
|
|
let's list the evolution of each base 1 through 9 and respectively to 100:
|
|
|
|
[1] [2] [3] [4] [5] [6] [7] [8] [9]
|
|
19 10 11 12 13 14 15 16 17
|
|
27 28 29 20 21 22 23 24 25
|
|
35 36 37 38 39 30 31 32 33
|
|
43 44 45 46 47 48 49 40 41
|
|
50 51 52 53 54 55 56 57 58
|
|
68 69 60 61 62 63 64 65 66
|
|
76 77 78 79 70 71 72 73 74
|
|
84 85 86 87 88 89 80 81 82
|
|
92 93 94 95 96 97 98 99 90
|
|
|
|
Wow, pretty easy to see a pattern emerge, eh? Sideways they simply evolve up
|
|
one locked into the group of ten. Ok, here's the evolution of group [1] to
|
|
200:
|
|
|
|
/````````````````````````````\
|
|
/````/``````````````````````\ \
|
|
1 19 27 35 43 50 68 76 84 92 100 118 126 134 142 159 167 175 183 191
|
|
\.....\......................../ /
|
|
\............................../
|
|
|
|
Do you see the evolution in 99's? An easy way to do the calculation in your
|
|
head is just add 100 to the number, and then subtract 1, thus adding 99.
|
|
You probably also notice that it flip-flops from odd to even, or the other
|
|
way around every 50. This will remain true for the whole length of the string.
|
|
Ok, so now what does this mean to you? Simple, by knowing the starting group
|
|
evolution number, you can instantly tell whether or not an account someone gives
|
|
you even has the ABILITY to be real, not whether or not it will work, just if
|
|
it could. Here are some of the starting digits for some of the groups. They
|
|
evolve just like the identifier, so I see no need to list them all:
|
|
|
|
139:9 140:6 141:5 142:4 143:3 144:2 145:1 146:9 147:8
|
|
| | | | | | | | | | | | | | | | | |
|
|
991:5 992:4 993:3 994:2 995:1 996:9 997:8 998:7 999:6
|
|
|
|
There you have it... Now you know the coveted CBI account configuration to
|
|
it's very CORE! Wow, what true power..
|
|
|
|
|
|
CBI GLOSSARY OF DEFINITION
|
|
~~~~~~~~~~~~~~~~~~~~~~~~~~
|
|
FIRST GROUP
|
|
~~~~~~~~~~~
|
|
SINCE: Date File Established and the first inquery/credit file was made
|
|
FAD: Last Activity on file, including inqueries
|
|
FN: For Equifax Credit Internal Use Only
|
|
SEX: Pretty self-explanitory, Male or Female
|
|
M: Marital Status, Married/Devorced/Widowed/Seperated
|
|
DEPS: Number of Dependants (kids)
|
|
DOB: Date of Birth or [AGE] age
|
|
SSS: Social Security Number
|
|
ES: Current Employment, Position, Firm, Location, Date Employed, Date last
|
|
Verified, Monthly Salary.
|
|
EF: Employment Former, Position, Firm, Location, Date Left
|
|
E2: Employment Second Former
|
|
|
|
SECOND GROUP
|
|
~~~~~~~~~~~~
|
|
INQS: Inqueries to the file by companies who use CBI
|
|
PR/OI-Yes: File Has Public Records (lawsuits, leins, etc)
|
|
FB-NO: No information obtained from other Credit Agencies
|
|
ACCTS.#: File Contains # Trade Lines
|
|
HC: High Credit Range ($300-37,000)
|
|
One-Nine: Refer to CS
|
|
|
|
PR/OI DEFINITIONS
|
|
~~~~~~~~~~~~~~~~~
|
|
BKRPT: Bankruptcy; Date Filed, Court Number, Case Number, Liabilities
|
|
Assets, Exempt Amount, Filer, Type, Intent
|
|
COLL: Collection; Date Reported, Date Assigned to Collection Agency
|
|
Agency ID Number, Credit Grantor Name & Number, Amount, Date &
|
|
Status, Balance-Date of Last Activity WIth Creditor on Acct,
|
|
ECOA Designator, Account Serial Number.
|
|
STJD: Satisfied Judgement; Date Filed, Court Number, Amount,
|
|
Defendant, Case Number, Plaintiff, Date Verified, Status, Date
|
|
Satisfied.
|
|
|
|
THIRD GROUP
|
|
~~~~~~~~~~~
|
|
Firm/ID Code: Name & member Number of Reporting Company
|
|
*: Trade Information From Automated Tape Supplier
|
|
RPTD: Date Item Was Reported
|
|
OPND: Date Account Was Opened With Reporting Company
|
|
H/C: High Credit (On "R" (Revolving) Accounts indicates Credit Limit
|
|
TRM: Monthly Repayment Amount or Number of Months or Years
|
|
BAL: Balance Owed as of Reporting Date
|
|
P/D: Past Due Amount
|
|
CS: Current Status of Account [R]evolving/[O]pen/[I]nstallments
|
|
|
|
CS BREAKDOWN
|
|
~~~~~~~~~~~~
|
|
0: Too New to Rate;Approved But Not Used
|
|
1: Pays (or Paid) Within 30 Days of Payment Due Date, or Not Over One Payment
|
|
Past Due.
|
|
2: Pays (or Paid) in More Than 30 Days From The Payment Due Date But Not More
|
|
Than 60 Days.
|
|
3: Pays (or Paid) In More Than 60 Days From The Payment Due Date But Not More
|
|
Than 90 Days, or Three Payments Past Due.
|
|
4: Pays (or Paid) In More Than 90 Days From Payment Due Date, But not More
|
|
Than 120 Days, or Four Payments Past Due.
|
|
5: Pays (or Paid) In More Than 120 Days, or More Than Four Payments Past Due.
|
|
7: Making Regular Payments Under Debtor's Plan
|
|
8: Repossession, volintary or otherwise
|
|
9: Bad Debt (Credit from hell)
|
|
|
|
THIRD GROUP (cont.)
|
|
~~~~~~~~~~~
|
|
MR: Months Reviewed
|
|
ECOA: Type Account:
|
|
[I]ndividual [J]oint [S]hared [C]O-Maker
|
|
[A]uthorized Use [U]ndersiged [M]arker [T]erminated
|
|
On [B]ehalf of Another Person
|
|
ACCOUNT: Subjects Account Number With Reporting Agency (this is the card #)
|
|
|
|
FORTH GROUP (ACCOUNT SECOND LINE)
|
|
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
|
|
30(01)60(02)90(00): Number of Times Account Was 30,60,90 Days Late
|
|
07/88-R3,06/88-R2,02/84-R3: Exact Dates of last Two Delinquency Rating in Last
|
|
Seven Years
|
|
DLA 4/90: Date of Last Activity on the Account
|
|
|
|
OTHER DEFINITIONS
|
|
~~~~~~~~~~~~~~~~~
|
|
ECOA: Equal Credit Opportunity Act Designator
|
|
LIST: Date Assigned to Collection Agency
|
|
AMT: Total Amount of Collection
|
|
DLA: Date of Last Activity (Payment to Creditor)
|
|
AGENCY: Collection Agency I.D. Number
|
|
CLIENT: Credit Grantor Name or Industry
|
|
SERIAL: Account Serial Number
|
|
BAL: Balance as of Date Reported
|
|
RPTD: Date Reported
|
|
MAX/DEL: Most Recent, Highest Delinquency Beyond the 24 Mont's History
|
|
24 Month History-Rate History for 24 Months Prior to Current Status.
|
|
Slash (/) Separates Two 12 Mont Periods (Read From left to Right)
|
|
*=No Delinquency Reported This Month
|
|
GRAND TOTAL: Grand Totals for Limit, High Credit, Balance, Past Due, and Terms.
|
|
|
|
ARDT (MERCHANT PULLS)
|
|
~~~~~~~~~~~~~~~~~~~~~
|
|
CUST: The merchants Account number
|
|
NAME: The merchants complete name
|
|
ABBRV: The merchants CBI name abbreviation
|
|
ADDRS: The merchants Street Address (If available)
|
|
PHONE: The merchants Phone Number (If available)
|
|
CITY: The City it is located in
|
|
ST: The State abbreviation
|
|
ZIP: The zip code
|
|
|
|
|
|
A NOTE ON ACCOUNT INFORMATION
|
|
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
|
|
When you are pulling up accounts, and you are looking at the specific persons
|
|
credit card number, and it is either 12 digits, or 9, then what this means is
|
|
that the bank (Citibank, for example) does not supply CBI with the last four
|
|
digits, for obvious securty reasons. If you have either 16, or 13 then you just
|
|
found a good card. Make sure to check the last date RPTD to make sure it is
|
|
still an active account, and then do your worst.
|
|
With most larger companies CBI bills quarterly. What this means to you is a
|
|
good account will last you around 3 months, then die (along with quite a few
|
|
others usually). Do not be alarmed at this, it usually is not due to your
|
|
actions. If you do have more then one user using the same account, try to be
|
|
good about using the accounts only during open periods, and during the certain
|
|
areas business day. Try to make sure only one person is using the account at
|
|
the same time. If you use common sence, the account will last quite a bit
|
|
longer (although I have pounded some accounts and had them last months as well,
|
|
it really varies).
|
|
|
|
|
|
GETTING THE ACCOUNT
|
|
~~~~~~~~~~~~~~~~~~~
|
|
Getting the account is relatively easy, in comparison to other companies that
|
|
do the same services. You can always just hack it yourself, since it is an
|
|
alphanumber, that only leaves you with 1296 possible combinations, which may
|
|
seem like alot, but in reality it really isn't.
|
|
Trashing is also a relatively good method, when you don't want to waste the
|
|
time to hack it. The places which seem to be the best are either banks like
|
|
CitiBank, or car dealerships; although alot of them are running the updated
|
|
software which doesn't print out accounts password. If you don't know what
|
|
trashing is, then pick up any of the hundreds of files written on this.
|
|
You can also call up the company which owns the account and try to bullshit
|
|
the info out of them. This is only marginally successful, since they are fairly
|
|
aware of the tricks of evil-do'ers.
|
|
You can always just sit on QSD and deal with the losers on there for one. Don't
|
|
get me wrong, there are a few good people there, and hopefully you'll run into
|
|
them, but there are far more losers there. Just make sure you have something
|
|
to swap, and that the account they give you fits the algorhythm... Almost 80%
|
|
of the people there are just info gathering losers, and will never use the info
|
|
they get themselves.
|
|
I'm sure there are other ways, and they are limited only be your imagination.
|
|
That is one of the joys of the H/P scene... Everything is limited only by your
|
|
own skill and imagination. Just sit back and try to think of another way that
|
|
seems fesiable to you, and most likely it is.
|
|
|
|
|
|
OTHER FILES COMING SOON
|
|
~~~~~~~~~~~~~~~~~~~~~~~
|
|
|
|
AUTO THEFT, A PRACTICAL APPROACH - Not another bullshit file on
|
|
stealing cars, this covers every
|
|
topic, including getting a stolen
|
|
one registerd! (I've done it)
|
|
RELEASE DATE AROUND 10/91
|
|
CBI ACCOUNTS & LOCATION HELPER - Lists alot of the CBI accounts
|
|
NUMBER TWO and their appropriate companies.
|
|
Also includes a more complete
|
|
breakdown of how to decrypt acnts.
|
|
RELEASE DATE AROUND 10/91
|
|
IDENTITY HOPING, FOR FUN & PROFIT - Will cover how to take over
|
|
PART ONE someones identity, and do eveything
|
|
from get an ID to getting loans!
|
|
RELEASE DATE AROUND 11/91
|
|
IDENTITY HOPING, FOR FUN & PROFIT - Will cover methods of forging ID's
|
|
PART TWO and the auxilliary documents you need.
|
|
It will also include a directory of
|
|
mailorder ID companies!
|
|
RELEASE DATE AROUND 12/91
|
|
WHERE TO GET EXOTIC WEAPONS - Update to my origional file, with more
|
|
NUMBER TWO exotic weapons than ever before!
|
|
RELEASE DATE AROUND 12/91
|
|
|
|
And also watch for this AMAZING release...
|
|
|
|
LIFE, IN GENERAL - The mysteries and unexplained lame
|
|
phenomina that surrounds living beings
|
|
[will be spread exclusively by cDc]
|
|
RELEASE DATE AROUND 11/91
|
|
|
|
Catch these and more on the way at any of the BBS's listed below! They will
|
|
definantly get them first...
|
|
|
|
|
|
CONCLUSION
|
|
~~~~~~~~~~
|
|
Hopefully this file will help you in the exploits of one of America's more
|
|
profitable system to play with. I don't say you really Hack CBI, since it is
|
|
pretty basic and takes no brain to use. If you can't figure out how to use the
|
|
system after reading this, well, start calling the PD Express and give up the
|
|
H/P scene. I also hope the algorhythm helps to weed out those losers who try
|
|
to pawn off invalid accounts, I'm getting tired of that.
|
|
Well, in this file, I'm including the biggest list of systems to call, just
|
|
since they're good and I think anyone who want's to get into the scene will
|
|
find at least one of these will suit their tastes. Give'em a call.
|
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And now for the wonderful greet's, which of course go out to EVERYONE who I
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talk to, but specifically: The White Rider, /<ludge, Crypt Roamer, Psycho Smurf,
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Mcbeth (thanks for the stuff!), Grandmaster Ratte' (go cDc in '92), Mind Walker,
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Crystal Warrior, and any other poor souls I forgot to list!
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And always remember...
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A penny saved isn't worth Shit! Card the damn thing!
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=============================================================================
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Demon Roach [PW: THRASH cDc Board - A Classic - GREAT] 3-24 806-794-4362
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Scantronics [Dedicated to telecommunictions since 1987] 3-24 619-423-4852
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Church/Thieves [IBM H/P system running with MNP - 96 soon] 3-24 619-789-2235
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Fantasy HQ [Also the LoL HQ, H/P/W, Nice new system ] 3-96 203-355-2174
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West Coast Tech[Run by Digitone Cypher, editor of Lol. ] 3-24 213-274-1333
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Belcore Udrgnd [Is it also called Realm of Chaos? ] 3-24 516-466-8259
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Punishment Due [IBM H/P/W system. Fairly new but going. ] 3-24 203-675-1328
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The Works [Tons of Files cDc Board Give it a call ] 3-24 617-861-8976
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=============================================================================
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This concludes another wonderful file by Video Vindicator (C)opyright 1991
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=============================================================================
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