302 lines
14 KiB
Plaintext
302 lines
14 KiB
Plaintext
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ZEN AND THE ART OF CREDIT THEFT
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-------------------------------
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LAKESIDE PARK (203) 746-0767
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CREDIT THEFT?
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WHAT IS CREDIT THEFT? I DON'T MEAN CARDING STUFF (WELL, MAYBE, IF YOU'RE
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INTO THAT SHIT) BUT MORE LIKE USING CREDIT DATA TO FIND OUT INFORMATION ON
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PEOPLE WHO DON'T THINK ANYONE KNOWS ABOUT THEM... IF YOU CATCH MY DRIFT.
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BASICALLY, WITH OR WITHOUT GETTING INTO TRW OR ONE OF THE OTHER MAJOR
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CREDIT DATA SYSTEMS (TRANS-UNION, CBI, CHILTON, ET AL) YOU CAN HAVE A TON
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AND A HALF OF INFORMATION ABOUT PEOPLE SITTING AT YOUR FINGERTIPS AND YOUR
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VOICES. A LOT OF TIMES A CONVINCING VOICE CAN CHANGE A LOT OF THINGS.
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HOW DO YOU THINK ONE ENTERPRISING PHREAK FROM MANY MOONS AGO WALKED RIGHT
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INTO AN AT&T OFFICE AND CONNED THE SECRETARY TO GIVE HIM THE COSMOS
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MANUAL? DON'T THINK IT'S THE "PRETTY-FACE" SYNDROME...
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ANYWAY, THE THING YOU ARE DOING WHEN YOU VOICE-VERIFY OR OBTAIN
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INFORMATION ABOUT PEOPLE IS CALLED SKIP-TRACING. IT IS A SYSTEM OF PEOPLE
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THAT WORK FOR CREDIT COMPANIES (LIKE GENERAL ELECTRIC CREDIT CORPORATION
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FOR INSTANCE; MACYS, SEARS, CITIBANK, ET AL) THAT ARE EMPLOYED TO DO ONE
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THING AND ONE THING ONLY: LOCATE PEOPLE; PEOPLE THAT MOVE AND LEAVE NO
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FORWARDING ADDRESS, CHANGE THEIR FONES TO NON-PUBLISHED NUMBERS, CHANGE
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JOBS, OR JUST PLAIN "SKIP-OUT" ON THEIR CREDITORS.
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AT THE END OF THIS FILE, THERE WILL BE A LIST OF FONE NUMBERS. GUARD
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THESE NUMBERS CAREFULLY. THEY CAN BE YOUR TICKET TO TONS OF INFORMATION.
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-+ TRW AND CREDIT BUREAUS +-
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CREDIT DATA CORPORATIONS ARE A DISASTER AREA. THEY DEAL WITH HUNDREDS OF
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THOUSANDS OF CREDITORS AND DEBITORS EACH DAY. IF YOU HAVE THE POWER TO
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GET YOUR HANDS ON A CREDIT REPORT, GO FOR IT. IF YOU CAN'T, THEN JUST GET
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A COPY OF A CREDIT CARBON OR A CREDIT CARD NUMBER. THE REST FALLS RIGHT
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INTO PLACE.
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TRANS-UNION, THE FIRST AND LARGEST CREDIT DATA SYSTEM, IS THE WORST TO
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DEAL WITH. DUE TO THE INFLUX OF HACKERS BUSTING INTO THEIR SYSTEM, THEY
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ARE BEGINNING TO SCRAMBLE ACCOUNT NUMBERS. UNFORTUNATELY, THEY DID NOT
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TELL A LOT OF THE COMPANIES THAT POST DATA ON REPORTS ABOUT IT! THIS IS
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VERY GOOD FOR US, BECAUSE... WELL, I'LL EXPLAIN IN A MINUTE.
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CBI IS THE BEST TO READ, SINCE THE DATA IS LAID OUT FOR THE MOST COMPLEX
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IDIOT TO READ WITH NO DIFFICULTY. YOU CAN TAKE AN ACCOUNT NUMBER OFF OF A
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CBI CREDIT REPORT AND CALL A MAIL ORDER PLACE WITH THE NUMBER. THEY ARE
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THE EXACT DUPLICATES OF CARD NUMBERS. (STUPID PEOPLE)
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CBI'S AND TRW (ACTUALLY NAMED "CREDIT DATA CORPORATION") ARE SET UP LIKE
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THUS:
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CBI CREDIT REPORT 10-NOV-1987
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SEARCH KEY: 1J82HYT6-HUJITY-JONES-D 1-PURE HIT
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P1: JONES, DOROTHY P2: FEMALE P3: 3-APR-52
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P4: 123-45-6789 P5: 305-555-1212 P6: SPOUSE ADTL INFO
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PA: 123 SIMPLE STREET, ANYTOWN, FLORIDA 19039
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FA: 839 ANYWHERE LANE, HORSEHIT, KANSAS 12374
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PE: IBM CORPORATION PE1: SYSTEMS ANALYST
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PVE: MCDONALDS CORP PV1: COST CONSULTANT
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THIS IS THE HEADER SECTION OF THE REPORT. IGNORE THE FIRST FEW LINES.
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THE REAL BEEF STARTS AT 'P1'. OBVIOUSLY, READING LEFT TO RIGHT, LINE BY
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LINE, THE INFO IS: NAME, SEX, DATE OF BIRTH, SOCIAL SECURITY #, MOST
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RECENT HOME FONE #, AND HER MARITAL STATUS (P6 STANDS FOR "ADDITIONAL
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INFORMATION FOUND IN SPOUSE'S FILE"). 'PA' IS HER PRESENT ADDRESS, AND
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THE OTHER IS HER MOST FORMER ADDRESS. 'PE' IS PRESENT EMPLOYER AND HER
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JOB TITLE, AND 'PVE' IS HER MOST RECENT DOCUMENTED PREVIOUS EMPLOYER AND
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JOB DESCRIPTION.
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NOW ONTO THE GOOD STUFF:
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SUBSR ID FIRM HI-CR/BAL CR-LIM 30/60/90
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ACCOUNT PAYOFF
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-------- ---- --------- ------ -- -- --
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------- ------
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BB23948-9 CITIBANK NA IL 10K 10K 00/00/00
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52142039483957546-9T 125M
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BB9483940 GECC 3805 4000 01/00/00
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514B-0039-234567-1 15M
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ACTS: NO STATUS CHANGE REPORTED
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NOW... THIS SHOWS THAT SHE HAS TWO CREDITORS, GECC AND CITIBANK. YOU CAN
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TELL THAT SHE'S INTO AN INSTALLMENT LOAN THROUGH CITIBANK (THE "IL" AFTER
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THE FIRM GIVES IT AWAY) FOR 10K (UNDER "HI-CREDIT/BALANCE"), AND SHE PAYS
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$125 PER MONTH ON IT ("125M"). YOU CAN ALSO SEE THAT SHE'S NEVER BEEN
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DELINQUENT WITH IT.
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SPEAKING OF DELINQUENCY... YOU CAN TELL HOW MANY MONTHS DUE TO A CREDITOR
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SHE IS BY LOOKING AT THE 30/60/90 - 30 DAYS, 60 DAYS, 90 DAYS, ETC.. SO
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SHE'S BEEN 1 MONTH DUE WITH GECC NOW, HAS A $3805 BALANCE AND A FOUR GRAND
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CREDIT LIMIT, WITH MONTHLY PAYMENTS OF $15 PER MONTH.
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SIMPLE RIGHT? THE "ACTS" ARE COMMENTS THAT THE CREDIT COMPANIES SEND TO
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THE BUREAUS THAT TELL OF LOST OR STOLEN CARDS, BALANCE DISPUTES, CLOSED
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ACCOUNTS, PAID OFF ACCOUNTS, ETC.
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NOW, ONCE YOU HAVE INFORMATION LIKE THIS, THE REST OF THE PROCESS BASES ON
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HOW GOOD OF A BULLSHIT ARTIST YOU ARE. IF YOU CAN STUMBLE HOME STONED AND
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CONVINCE YOUR FOLKS THAT YOU WENT TO SEE "THE SMURFS TAKE MANHATTAN",
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YOU'RE ALL SET.
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I JUST REALIZED... I FORGOT TO TELL YOU ABOUT THREE MORE COLUMNS ON THE
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BUREAUS! FORGIVE ME, FOR I AM TRYING TO CRAM 132 COLUMN REPORTS INTO 80,
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AND I AM HAVING DIFFICULTY.
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IN BETWEEN THE MARGAIN AND THE ACCOUNT NUMBERS ARE THREE DATES:
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LAST-PR LAST-PY DT-OPND
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------- ------- -------
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10-85 10-87 10-85 (CITIBANK, LET'S SAY)
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10-87 11-87 4-81 (GECC, LET'S SAY)
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OBVIOUSLY, THE FIRST ONE IS "LAST PURCHASE DATE", THE SECOND IS "LAST
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PAYMENT DATE (PAYMENT RECEIVED)", AND THE LAST IS "DATE ACCOUNT OPENED".
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YOU CAN TELL THAT HER GECC ACCOUNT IS AN ACTIVE CREDIT CARD, SHE JUST MADE
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HER NOVEMBER PAYMENT, OPENED THE ACCOUNT IN APRIL OF 1981, AND USED THE
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CARD LAST MONTH. GECC, ALTHOUGH IT IS A CREDIT "WAREHOUSE" OF SORTS,
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HANDLES THE FINANCING FOR THOUSANDS OF COMPANIES, INCLUDING CREDIT CARDS
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FOR APPLE COMPUTER, IBM, COMMDORE/AMIGA, CALDOR, FORTUNOFF, CANON, SYMS,
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AND ALMOST 350 OTHERS. YOU CAN NEVER TELL WHAT TYPE OF ACCOUNT IT IS
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UNLESS YOU ASK THEM... WHICH IS MY NEXT TOPIC!
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-+ SKIP TRACING: GET THAT BIMBO ON THE OTHER END TO TALK +-
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FIRST, GRAB YOUR BUREAU AND CHECK FOR SOME "CURRENT" ACCOUNT, MEANING
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ACCOUNTS THAT HAVE BEEN USED WITHIN THE PAST FEW MONTHS. THEY USUALLY
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LEAD TO CURRENT INFORMATION. CHECK THE FIRM, PULL OUT YOUR HANDY-DANDY
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LIST OF CREDITORS AND GIVE 'EM A CALL. THE FOLLOWING IS A TRANSCRIPT OF A
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NORMAL SKIP TRACING CONVERSATION...
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T = THEM AND U = US, JUST TO CLARIFY.
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T: GOOD AFTERNOON, THIS IS CITIBANK. CAN I HELP YOU?
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U: YES, I'M CALLING FROM GECC ON A SKIP TRACE. CAN YOU HELP ME?
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T: ON A MASTERCARD OR VISA, SIR?
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U: IT'S A LOAN, MA'AM.
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T: ET ME TRANSFER YOU. PLEASE HOLD.
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<TICK TICK TICK TICK>
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T: HELLO, CITIBANK.
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U: YES, I'M CALLING FROM GECC ON A SKIP TRACE.
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T: DO YOU HAVE AN ACCOUNT NUMBER?
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U: YES I DO, IT'S 81457920345723024570832570 WHATEVER
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T: ONE MOMENT...
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<TICK TICK TICK>
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T: WHERE ARE YOU CALLING FROM AGAIN?
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U: GECC. GENERAL ELECTRIC CREDIT CORPORATION.
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T: OK, AND THIS IS FOR WHOM?
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U: DOROTHY JONES.
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T: OK, WHAT DO YOU NEED TO KNOW?
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HA HA! FROM HERE, YOU GOT WHATEVER YOU WANT. SOME STANDARDS ARE:
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"DO YOU HAVE A GOOD H# (HOME #) FOR HER?"
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"WHERE DO YOU SHOW HER AT?"
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"DO YOU HAVE A POB (PLACE OF BUSINESS) ON HER?"
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...AND FROM THERE ON, YOU CAN GET PRETTY MUCH ANY INFO OUT OF THE CREDITOR
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THAT YOU WANT. USUALLY, IF THE ACCOUNT THAT MS. JONES HAS WITH CITIBANK
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IS NOT DELINQUENT, THEY MAY NOT GIVE YOU ANY INFORMATION, BUT CERTAIN
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COMPANIES WILL TELL YOU ANYTHING, EVEN START GOING THROUGH THE PERSON'S
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PAYMENT HISTORY WITH YOU... "WELL, IN OCTOBER OF 1974, SHE WAS LATE
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BECAUSE HER DAUGHTER GOT HIT BY A TRUCK..." I THINK YOU CATCH MY DRIFT.
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REMEMBER I MENTIONED TRANS-UNION SCRAMBLING ACCOUNT NUMBERS? WELL,
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SOMETIMES IF YOU GIVE ANOTHER CREDITOR A SCRAMBLED ACCOUNT NUMBER, OR A
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PARTIAL ACCOUNT NUMBER, THEY'LL FREAK OUT ON YOU.
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THERE IS AN EASY WAY AROUND THIS: REMEMBER THAT MANY CREDITORS HATE
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TRANS-UNION FOR SCRAMBLING AND NOT TELLING THEM HOW THEY ARE ENCODED, SO
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JUST SAY:
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"I'M READING THIS OFF OF A TRANS-UNION BUREAU - YOU KNOW THEY SCRAMBLE
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ACCOUNTS."
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THEN, THEY'LL EITHER TELL YOU POLITELY TO GO TO HELL ON THE END OF THEIR
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DICK, OR WILL ASK YOU FOR NAME OR SOCIAL TO CROSS REF THEM WITH.
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REMEMBER: WHERE THERE IS A REASON, THERE IS A WAY. NOW, ONTO THOSE
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NUMBERS!
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IF YOU GET A BUREAU WITH A FIRM THAT IS NOT LISTED BELOW, YOU CAN CHEAT
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AND CALL TRW OR CBI THEMSELVES AND ASK TO HAVE A NUMBER DECODED... THE
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FIRST NUMBER LISTED ON THE BUREAU IS THE "SUBSCRIBER NUMBER" WHICH
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IDENTIFIES THE CREDITOR TO TRW. YOU CAN CALL CBI, GIVE THEM THE
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SUBSCRIBER NUMBER, AND THEY'LL GIVE YOU A FONE # AND/OR ADDRESS TO GET
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AHOLD OF THE CREDITOR AT. AND YOU THOUGHT THIS WOULD BE EASY...
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WELL, HERE GOES.
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ABRAHAM AND STRAUSS.........718-802-1596
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BRYAN ALDEN.................312-854-4141......312-854-2427
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AMERICAN EXPRESS............201-981-9600
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AMERICAN AIRLINES...........918-254-3720......918-832-4906
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AMERICAN CREDITOR BUREAU....301-445-0875
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ARLINGTON TRUST.............617-681-7230
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ASSOCIATED FINANCE..........214-438-1342......617-757-7471...401-438-6100
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BAMBERGERS..................201-272-0706......800-624-0199...913-451-3333
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BANK OF AMERICA.............818-578-5396......818-578-5087...818-578-7896
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BANK OF BALTIMORE...........301-244-3360......301-244-3413
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BANK OF BOSTON..............617-391-5728......203-789-4589
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BANK OF NEW ENGLAND.........617-678-8343......617-973-2679
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BANK OF NEW YORK............914-899-6844......516-496-2000...302-454-6029
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BANK OF OHIO................800-848-9069......614-863-8025
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BANK ONE....................614-265-2198
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BARCLAYS....................914-472-5000
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BANK OF VIRGINIA............804-747-2000
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BAY BANK....................617-894-6500......617-647-5048
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BENEFICIAL NATIONAL BANK....302-792-4026......800-441-1515
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BLOOMINGDALES...............212-613-4838......212-613-4865...212-613-4873
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BUNWIT TELLER...............212-764-7626
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BRADLEES....................516-673-2606......516-673-2357
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BROCKTON SAVINGS............617-586-6070
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ENCYCLOPEDIA BRITTANICA.....312-347-7007
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CONNECTICUT SNET CN/A.......203-789-6815
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CALDOR CENTRAL...............301-337-2600
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CENTRAL FIDELITY............804-782-4220......800-828-3968
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CHASE MANHATTAN.............516-745-7477......516-326-3800...516-574-4558
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516-574-5151
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CHASE NWBD..................914-633-6000......516-745-7477
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CHEMICAL BANK...............516-385-5122......312-462-5504...312-462-5509
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516-385-5251
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CWT.........................617-399-6020
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CHILTON.....................203-659-3793
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CHRYSLER CREDIT.............413-562-7508......203-265-7115...516-741-4520
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CITIBANK....................516-391-2174......516-391-2610...516-391-2611
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800-336-0046......800-391-2392...201-544-9707
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800-843-0777......201-544-0710...212-613-6932
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914-654-3105......800-235-6764...800-235-6260
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800-243-0777
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COLES NATIONAL LOOKOUT......402-473-9717
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COLES DATA CENTRAL..........516-561-6644
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COLONIAL BANK...............203-789-4600......800-922-0550
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DINERS CLUB.................303-799-9000......303-649-2791
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DISCOVER CARD SERVICES......614-755-3280......302-323-7652...302-323-7813
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302-323-7484
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DRY DOCK....................516-935-3131......516-931-1015
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EASTERN AIRLINES............404-325-5619
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EQUITABLE BANK..............800-441-8027......800-441-7787...800-441-4501
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800-826-5031
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EURO-AMERICAN BANK..........516-296-5950......516-296-5962...516-296-6013
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FINANCE ONE.................201-741-9000
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FIRST ATLANTIC CREDIT.......201-222-8343
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FIRST FIDELITY..............201-565-6280......201-565-3866...201-565-3931
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201-565-3200
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FIRST OMNI..................800-441-8026......302-934-2146
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FIRST JERSEY................201-547-7295
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FIRESTONE...................800-321-3950
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FIRST VIRGINIA..............703-425-4379
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FIRST CHICAGO...............516-296-7523
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FIRST FLORIDA...............800-352-2265
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FLEET NATIONAL..............401-278-6000......401-278-6726
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F.N.B.......................404-588-5000
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FORD MOTOR CREDIT...........203-234-0414
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G. FOX......................203-241-3377......203-241-3052
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GECAL (GE AUTO LEASE).......312-384-6600
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GECC (GENERAL ELECTRIC).....800-243-4257......203-748-8420
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GMAC........................201-325-5000......201-389-0022
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J.C. PENNY..................312-699-2729......609-772-3366
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LERNERS.....................404-393-6230
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MACY'S......................201-272-0444
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MAY COMPANY.................213-683-1144
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FIRST OMNI..................302-934-2771
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SEARS.......................914-997-5421......413-543-4920
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SPIEGEL.....................800-523-6576......312-954-2772
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STERNS & FOSTER.............800-451-0077
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TRANS-UNION.................215-496-6689......718-830-5311
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DON'T FORGET, THERE'S A TON AND A HALF MORE OF THESE, BUT, AS YOU'LL FIND
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OUT BY FOOLING AROUND WITH THEM, CERTAIN COMPANIES HAVE "DIVISIONS" ALL
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OVER THE COUNTRY, AND, FOR INSTANCE, SEARS MAY SEND YOU HALF-WAY TO
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CALIFORNIA AND BACK FOR AN ACCOUNT LISTED TO A PERSON IN VERMONT.
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HAPPY HACKING.... MR. XEROX, NOVEMBER 1987
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CALL LAKESIDE PARK 203-746-0767
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"WE CAN SHARE THE WOMEN, WE CAN SHARE THE WINE, WE CAN SHARE WHAT WE GOT
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OF
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YOURS, 'CAUSE WE DONE SHARED ALL OF MINE..."
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-BOB WEIR, "JACK STRAW"
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DOWNLOADED FROM P-80 SYSTEMS......
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