329 lines
15 KiB
Plaintext
329 lines
15 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. How
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do you think one enterprising phreak from many moons ago walked right into
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an AT&T office and conned the secretary to give him the COSMOS manual?
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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 information
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about people is called Skip-Tracing. It is a system of people that work
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for credit companies (like General Electric Credit Corporation for
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instance; Macys, Sears, Citibank, et al) that are employed to do one thing
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and one thing only: locate people; people that move and leave no forwarding
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address, change their fones to non-published numbers, change jobs, or just
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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 these
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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 get
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your hands on a credit report, go for it. If you can't, then just get a
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copy of a credit carbon or a credit card number. The rest falls right into
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place.
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Trans-Union, the first and largest credit data system, is the worst to deal
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with. Due to the influx of hackers busting into their system, they are
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beginning to scramble account numbers. Unfortunately, they did not tell a
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lot of the companies that post data on reports about it! This is very good
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for us, because... well, I'll explain in a minute. CBI is the best to
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read, since the data is laid out for the most complex idiot to read with no
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difficulty. You can take an account number off of a CBI credit report and
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call a mail order place with the number. They are the exact duplicates of
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card numbers. (Stupid people...) CBI's and TRW (actually named "Credit
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Data Corporation") are set up like 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. The
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real beef starts at 'P1'. Obviously, reading left to right, line by line,
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the info is: name, sex, date of birth, social security #, most recent home
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fone #, and her marital status (P6 stands for "additional information found
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in spouse's file"). 'PA' is her present address, and the other is her most
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former address. 'PE' is present employer and her job title, and 'PVE' is
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her most recent documented previous employer and 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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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 accoFLORIDA 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. The
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real beef starts at 'P1'. Obviously, reading left to right, line by line,
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the info is: name, sex, date of birth, social security #, most recent home
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fone #, and her marital status (P6 stands for "additional information found
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in spouse's file"). 'PA' is her present address, and the other is her most
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former address. 'PE' is present employer and her job title, and 'PVE' is
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her most recent documented previous employer and 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 lead
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to current information. Check the firm, pull out your handy-dandy list of
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creditors and give 'em a call. The following is a transcript of a normal
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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 is
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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 because
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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. There is an easy way
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around this: remember that many creditors hate Trans-Union for scrambling
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and not telling them HOW they are encoded, so 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 and
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call TRW or CBI themselves and ask to have a number decoded... the first
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number listed on the bureau is the "subscriber number" which identifies the
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creditor to TRW. You can call CBI, give them the subscriber number, and
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they'll give you a fone # and/or address to get ahold of the creditor at.
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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..............203-846-1641
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Carrol County Bank..........301-848-8100
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CBI.........................516-795-8008
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CBT.........................800-972-9974......203-382-6757...203-382-5768
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203-382-5774......800-842-2600
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CitiCorp....................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 (LSPUA), November 1987
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Call LakeSide Park 203-746-0767
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"The first days are the hardest days
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Don't you worry anymore 'cause
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When life looks like easy street
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There is danger at your door..."
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