289 lines
14 KiB
Plaintext
289 lines
14 KiB
Plaintext
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CHECK GAMES
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By Dark Grif 09/26/93 exclusively for Pirate Underground.
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TO THE DUMB IDIOT'S: WHAT IS CHECK SYSTEMS AND TELECREDIT?
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==========================================================
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CheckSystems is the U.S. wide computer that all F.D.I.C. insured
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banks use to check you out before allowing you to open an account.
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The way you get in Check Systems is by fucking up your account by
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oweing money and never paying it and forcing them to close, or by
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EXCESSIVE (usualy more than 25) check bouncing activity. If you
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havent done any of this, youre not in C.S. and you can open
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an account anywhere.
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HOW TO GET OUT OF CHECK SYSTEMS IS EASY:
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1. You must PAY OFF the account you fucked up.
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A> by going into the same bank and dealing with the manager
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directly. After you pay off your old account, it is with in the
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managers power to erase you from C.S. just like that, So flirting
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is a plus and having about a $1000 bucks or so right there to open
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a new account with him is a shoe in.
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B> Find out the collection agency that is handling your fucked up
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account and tell them your ready to settle at 60cents to the
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dollar, they'll usually go for it, always 80cents and pending on
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how much you owe, they're not shy to take 20 cents on the dollar.
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This way will not get you out of C.S. but it will show as
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satisfied. Go seek out another back with a friendly manager and
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explain your fucked up situation and tell him how your on the up
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and up these days and show him a grand or few hundred your going to
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open a new account up with, and your in.
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C> Always remember that even if you never pay off your accounts and
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your in CheckSystems, A bank manager always has the power to say
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Fuck Check Systems, and hook you up anyway.
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TELECREDIT / TELECHECK is a credit bureau for checkwriters that
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most major department stores, supermarkets, and businesses use.
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There are others, this is the biggest. They are not 100% accurate,
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for the majority of the time when a vendor takes your check he goes
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to the machine and punches it in, it just checks to see if the
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account is valid/open then it gives you an approval #. Many think
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the approval is for the amount of the check, bullshit.. its only
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cause the CHECK NUMBER has not been used before and the account is
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not closed. Telecredit is linked to your drivers license number,
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not your checking account. Example situations:
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You are in May Co. department store, you have bounced a check to
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them before and never paid it. Your license # goes thru May CO.
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computer first, before telecredit, then they catch it and fuck you.
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Now lets say you never bounced a check at May Co. and it comes up
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declined or call for authorization. This is Telecredit.
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Where ever it was that you bounced checks now you cant get shit at
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May CO. Yes, you can by smoothing talking before saying you dont
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have your id but you shop here all the time, and say you know your
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license # by hart and recite a VALID one out loud, and dont give em
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a chance to say no, as long as the license number is valid it will
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go thru .. it doesnt have to match the checking account name,
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because they dont and cant check, so you will get your shit from
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May Co that way, but thats not the point here...
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Telecredit is such a fucked up system that if you are even in it
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big time and the check your writting is for a small amout like $20
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bucks, it will go thru, Telecredit will allow it because the store
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you are in is paying extra for TeleCheck which is the same thing
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but it means that TeleCheck guarantees the check to the vendor
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which means if you bounce it, or even stop payment,TeleCheck buys
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it and now you owe TeleCheck. TeleCheck 99% always guarantees
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checks under $20.00, if over that usually a Call for Authorization
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will happen. (The are other companies that guarantee checks as
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well.)
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To get out of Telecredit is easy even if your in it for years if
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you start makeing a deal with them now to make payments like $25-50
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bucks a month, They will go for it and as you are paying them off
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they will guarrantee your checks at places they wouldnt before,
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because in a way you are building credit with telecredit and they
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are so fucked up for reasons unknown you get away with anything...
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What it comes down to is a craps shoot sometimes it go's othertimes
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your fucked.
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THE GAMES
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=========
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Now that you've met the players, (CheckSystems, & TeleCheck) now
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lets play a game.
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BULLOCKS - MASTER SCAM
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* This pacticular scam is one of my own best kept secrets, and is
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now yours. Dont spread this info around and have every jack ass
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doing it. Keep it to yourself and only do it at a time of need.
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Requirements:
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=============
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A drivers license or state ID
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A checking account
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A creditcard
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No balls
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* To be done towards the end of the month, 10 days prior to make
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your monthly checking account statement.
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All Bullock department stores have vaults with up to $200,000 or
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more in them at times. This doesnt mean lets break in, what it
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means is when you buy something there with a check, (and it passes
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the Telechecks) that check is as good as cash to them.
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Go buy some peice of clothing for $400 by check. Now be SLY and
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grab another of the same peice of clothing and take it upstars or
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to any other register and buy it along with some other stuff from
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that department and pay with a creditcard.
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Return to the store in a few hours with one of the clothes and
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return it to the 1st clerk you paid by check to. Tell him whatever,
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it didnt work out, and ask if you can get your check back out of
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the register. He/her then will say "I'm sorry we cant do
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that, thats not our policy, we will have to give you cash.
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"You say ahh fuck shit motherfucker! oh ok, I guess thats ok.
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They'll have you sign a green return voucher and then they'll bring
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you the cash (or you might have to goto customer service, no big
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deal). OK GOTO another Bullocks on the other side of town and
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buy the SAME peice of clothing with a check from different
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checkbook of yours for the same exact amount PLUS $20, SO FIND
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SOMETHING THAT WILL COME OUT TO EXACTLY $20 AND BUY IT. NOW
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CASUALLY POST DATE THE CHECK A WEEK AHEAD, AND ADD A 'MEMO-FOR
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CREDIT.' (They wont catch either, if so say thats for your own
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personal track). Go have lunch and then return the clothes and get
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your money back the same way. Now Go home and stop payment
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on the 1st check you wrote. Go back to the 1st Bullocks right
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before closing time and return the clothes and other shit you
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bought on your creditcard , and have them recredit your account.
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You probably are going to get the same people that gave you the
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money the first time and theyre going to know you had already
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returned the same thing, so they are going to be suspicious.. So
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what, let them be.. tell em it didnt fit but he/she wanted it in
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another size, or tell em oh ya i bought the samething , im so
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stupid, whatever you say doesnt matter, you have done nothing wrong
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or illegal (They dont know about the stop payment, of course).
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Hang onto your orgrinal and new return credit reciepts.
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Your done, you just made $380.
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Whats going to happen. In a few days you will get a notice and/or
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call about your stop payment. you call back to the main credit
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office 800# not the local stores.You tell them you stopped payment
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on it because your check book got stolen (ya right) and you
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already took care of it, repeat, "its already taken care of, I went
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into another Bullocks and took care of it on my creditcard, sorry
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for the incovenice" At this point they will say Ok thank you, or
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they'll want to know exactly what store and when and/or the reciept
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number of your card, give them the return credit receipt number and
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tell them a different store location that you didnt goto, this
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will keep em happy and stall em until the time you get your monthly
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checking account statement and checks back. Your TeleCheck standing
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has not been touched they havent done shit they think they got
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paid. Now they call and say whats going on?? And you say , 'What,
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i took care of this already I told you.... oh I'm sorry, im looking
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here at my checking statement and I paid by check not credit card,
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I got the check right here', give em the amount& number if they
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ask, and tell them your gonna fax or mail it out right
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away.(Mention that $20 return check fee you included, hehe] You
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Win. When they get that check the check is post dated to the time
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you said you paid it and it has that check return fee and credit
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memo on it. At this point Bullocks will stop and say OK and destroy
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you stop payment check and its over.
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It will not make it on the desk of head security. Yes you did sign
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a voucher the second time you got your cash money back, and it can
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be traced back, but it wont...
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Unlike other department stores, Bullocks /Macys/Imagnim (and who
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knows whatelse) is not that kind of store, they gross about 1/2 a
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mil a day and dont worry much about being ripped off.
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REMEMBER you are dealing all this over the phone now and you are
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talking a good game. If the bullshit check did trace back to you,
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you still got that original credit card reciept (ACE IN THE ASS) to
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cause more confusion... "What the fuck are you guys talking about
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I got charged on my creditcard and check for the samething,
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bullshit!" {No one or no cons buy the same shit three times...}
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-A note from GRIF-
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Trust me Ive done this a few times already for different amounts
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even higher than $1000 (Armani suits) , and I have never has the
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pleaseure of being questioned or nothing... That second check
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showing up is the ticket! (Never mind the store registers# on the
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back, that doesnt mean shit and is not bothered with at Bullocks,
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wash them out if you like.)
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I just like to cover all the bases. The key to a con is that if you
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look like you have money and buy stuff that cost money your are to
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be less doubted than going for the petty cheep shit...
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A respectable rich customer is always right, especially in the L.A.
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area where they are always dealing with people with alot of money
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and alot of problems. The studio rap always works for returns, but
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they are sick of hearing that one. Just keep in mind the felony
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factor of over $450 and that they keep all your returns in their
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computer, and if you have more than seven they have to mail you a
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check.. sometimes this works out better...
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Ive got more BULLOCKS SCAMS TO TELL, and I will after I get paid a
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little mo off them. I will also share other store scams as well...
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Now here's another game:
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BEAT THE BANK - INSTANT LOANS
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============= =============
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A basic scam.
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Requirements to play:
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A checking account.
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Another checking account of yours from a different bank.
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A plus
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A out of state checking account.
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Old closed account checks from someone or company other than
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yourself.
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Most banks ATM machines post the money you deposit thru them
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immedately rather than the next morning if you were to go in the
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bank and deposit. As long as you are in goodstanding with your
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account, you should be able to get all the money you deposit in,
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right back out in cash (up to $300 per day).
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Say you have a drug deal comming up and your short $500 bucks...
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Write a check for $600 from your (example) Citicorp account to you
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BofA account on Friday so BofA dont get it till monday. Deposit
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thru the ATM at BofA and get your 1st three hundred out, then wait
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until midnight and get you other 300. Now you have all night friday
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and all day saturday and sunday to turn your $600 over into
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whatever and put your $600 in Citibank early monday morning so your
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check clears. Need more time? Deposit a third bank check early
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monday morning to citibank, now you got another day... You need
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more time.. figure it out, a out of state check takes at least
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three working days before it gets there. There is nothing illegal
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about transfering funds from your own accounts, it just looks
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funny, but the ATMs dont have eyes. Shit.. the drug deal didnt go
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thru, the citibank check bounced, you owe BofA $600. You have upto
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a month to pay it all back before anything serious will happen
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(close account) even up to two months by pushing it talking
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sweet to THE RISK department of the bank, however they might
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terminate your ATM card just as the would if you deposited nothing
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to the machine, so dont fuck that up. What, you dont deal drugs?
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Goto Vegas for the weekend or your local poker casino's... VEGAS
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and GAMBLING SCAMS is comming up soon...
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BONUS TIP for the Forger
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========================
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You found some old personal/company checks from a family member or
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friend or whatever, the account is closed. Hopefully you will have
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some idea when the account was closed, so POST DATE the check back
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to when the account was open, and take it to your bank. When the
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check comes back to the bank ACCOUNT CLOSED, and the bank risk
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department gives you a call (if you didnt cover the check on time),
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tell them the truth, you founf an old check and thought it was
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good, this really screwed me up, I need time to pay it back...
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They'll understand.For a company check you dont even have to post
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date it, say What, I just worked for the guy! That bastered, Im
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sorry , ill pay it right back but I need a little time...
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Post dating a closed company check and giving the old check I never
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cashed routine always looks even better than the personal check. If
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you got a old out of state company check, your styling...
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Dont do this old check scam often nor to the same bank twice,
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because after a few times the banks will make photocopies of the
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old checks and onced re-payed,they will mail you back the copy and
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keep the orignal one you forged, and thats not good, though nothing
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will ever happen bacause you did pay it back.
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LASTWORDS
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=========
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Dealing with banks is strickly a numbers game. There are many scams
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out there,and if you are good with math you can come up with some
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good ones of your own.If you cant add, maybe I'll share some more
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with you later.
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END OF PHILE - By Dark Grif
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