97 lines
4.0 KiB
Plaintext
97 lines
4.0 KiB
Plaintext
MONEY INCORPORATED DIGEST #22
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RELEASED 1 JANUARY 1995
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TODAY'S TOPIC: USING CREDIT REPORTS TO YOUR ADVANTAGE
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OR: MONEY FOR NOTHING
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WRITTEN BY: SLEEPY
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MONEY INCORPORATED IS:
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SLEEPY
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SONIC FURY
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CCRIDER
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THE BIG CHEESE
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Well, the new year is now upon us, and I'm glad 1994 is over. Really
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sucked if you ask me. Enough bitchingm on with business. Today's
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digest is going to tell you how to use your credit file to your advantage
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and how to escape bad credit. This has worked fairly well for me, and
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should work for anyone, if you do it right, and don't try to get too brave.
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As far as legality goes, everything here is probably legal, if not a bit
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shady. Best for you not to find out.
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1. Your Credit File, and why you should care about it.
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Your credit file is the most important public record you have. Without
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credit you can't buy a car, home, stereo or even rent a video! You also
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need credit to buy computers, cash for beer, and rent hotel rooms...
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Since credit is important, you must endeavour to keep your credit file
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spotless. If you have credit, pay the bills on time. If you don't have
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credit yet, worry not, for I have a list of places that are easy to get
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credit at.
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SLEEPY'S EASY CREDITOR LIST
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1. Jewlery stores (fairly easy)
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2. Gas Cards (they'll give a card to a dead man)
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3. Department Stores (except Sears)
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Once you get a card, make sure you pay the bill on time..if you don't you'll
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have to refer to the next section. After six months of payments on a small
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card, you can then ask for a limit increase. You may also be able to get a
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Sears card. After a year, you should be able to get a major credit card.
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Once you get a major credit card, you will be set.
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2. Escaping the path of bad credit
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Bad credit is a curse that will be with you for 7 or more years. If
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you cannot avoid it, there are a few ways around it. These ways are fairly
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shady and cannot be condoned by the author of this work >:> However, for
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informational purposes, I will let you in on the secrets.
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First, I should warn you that you should never, never, NEVER, give money
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to one of those credit repair agencies. They will only cause you pain
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and wallet-break. Anything they can do can be done by a good hacker or
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a good social engineer.
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The best way to escape bad credit is to give yourself a new identity. Now
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you don't have to change your name and move to another city, but you must
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make up a new social security number. There are several utilities out there
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that can make up good numbers and I highly reccomend them. Next, if you have
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the means you should get a fake social security card and if your drivers'
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license has the social security number on it, a fake license too. You
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may also use a fake address if you wish. No PO boxes though, creditors do
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not like them.
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Next apply for a simple card and charge a few things, once you pay a payment,
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then try for more. You may do this just as if you were to be a whole new
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person. Since the credit bureau has no record of your name and social
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security number being together, it should make a whole new file, as if you
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were a new person.
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Next, if you have a job, great. But not all of us have the luck of having
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steady employment. This is where your handy, dandy inkjet or laser printer
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will come in handy. In the case a creditor asks for a pay stub, all you
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have to do is make one. Then make a bad photocopy of it, and use that.
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No need to worry about pay stubs though, only loan companies ask for them.
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Epilogue: Does this shit work?
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While these techniques may not work for all of you, if your develop
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your social engineering skills, you just might be able to get it to
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work.
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MONEY INCORPORATED DIGEST #22
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COPYWRONG 1995 - MONEY INCORPORATED ENTERPRISES LTD.
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ALL RIGHTS TRADED FOR A GWAR VIDEO.
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MONEY INCORPORATED IS:
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SLEEPY - WORLD LEADER
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SONIC FURY - THE MAN
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CCRIDER - INTERNET WAREZ WIZARD
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THE BIG CHEESE - HE EATS A LOT.
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