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Guide To Credit Fraud

by KoRn_Munky


NOTICE: TO ALL CONCERNED Certain text files and messages contained on this site deal with activities and devices which would be in violation of various Federal, State, and local laws if actually carried out or constructed. The webmasters of this site do not advocate the breaking of any law. Our text files and message bases are for informational purposes only. We recommend that you contact your local law enforcement officials before undertaking any project based upon any information obtained from this or any other web site. We do not guarantee that any of the information contained on this system is correct, workable, or factual. We are not responsible for, nor do we assume any liability for, damages resulting from the use of any information on this site.

Guide To Credit Fraud. 23/05/2002 by KoRn_Munky

Email: [email protected]

A. STARTING, BASIC PLANNING.

First you need to figure out which address your gonna use (not your own). When you have figured that out your gonna have to create a fake identification from the name to the amount of money he/she makes a in a year and his/her job. Write all this information down on paper and keep it out of the way in your room or something. Then when you have done that you're gonna have to write down a step by step plan and follow it down to a "T"(perfectly).

B. CONTACTS.

In order to pull this off you may need to have some people(friends) working along with you to do certain tasks. Compile a list of 2-5 people you can trust not to talk to anyone else about it. When you have compiled a list you can ask them if they want to help you pull it off in exchange for a cut in the money you make at the end of the scam. Here's A list of jobs that may need doing...

  1. Agreement Signature - Someone without a criminal record needs to sign the "credit agreement".
  2. Lookouts. - to assist when making pickups etc..
  3. 1st Pickup Person - To Pickup Credit Agreement from chosen address.
  4. 2nd Pickup Person - To Pickup The Credit Card and deliver to you.
  5. Delivery Address - Someone Who Might Let You Use Their Address To Send Goods Ordered.
  6. 2nd Address - Anyone Who Can Provide You With A 2nd Safe Address To Use.
  7. 1st Use Of Card - 1st Person To Make A Purchase In A Shop Using The Card.
  8. Someone to go back to the college and activate the card.

When sigining the credit agreement you must take the same precautions as when you're actually typing the information into the computer system. Tape Up All Your Fingertips, Then Put On Rubber Gloves, Then Wooly Gloves.

C. WAYS OF OBTAINING THE "CREDIT AGREEMENT" AND "CREDIT CARD".

1. Way is to maskin/duck tape up the letter box of the chosen address and leave a container outside of the door labelled "Mail". (this only works if the house is somewhat un-occupied or the person has no life and hardly ever leaves the premises).

2. Another way is to get the mail sent to the house, have the owner obtain it, then go there and say that the company has got the address wrong, so you contacted them to find out where it went and they told you it had come here or was coming here.

D. ENTERING INFORMATION.

In order to obtain a credit card in a different name you'll have to avoid using your own computer unless you know about hacking and security. A good place to use a computer can be...

  • A Friends House
  • College Computers
  • Internet Cafe
  • At Work (if you use computers at work).

If you use any of the above you'll have to be careful about fingerprints on keyboards and also beware of visual security.

Here's how to get around these types of security. To avoid being seen and identified you can wear a big puffy jacket and a hat of some sort e.g. Bucket Hat, Baseball Cap etc...

Here's a few steps to avoid leaving forensic evidence(fingerprints).

  • Put Plasters Around All Of Your Finger Tips,
  • Then, Put On Rubber Gloves,
  • And Then Just Cover Your Hand With Wooly Gloves.

Fingerprints Wont Go Through 3 Layers Of Cover, So Fingerprints Can Not Be Found.

E. PURCHASES.

When you get the card you're obviously gonna want to spend the money that you have available to you. 85% of the time you must use the Internet or Cash which you can withdrawl from a cash machine or get cash back at a shop counter. The internet is the safest way to make purchases and with this you can use a friends address to send the goods purchased. Very rarely use the card at a shop to make a purchase because of the cameras. If you do that you must wear somesort of hat e.g. Bucket Hat, Baseball Cap!

F. NOTE.

When you have the card you can use it for anything like Travel, Purchases, Pay Off Your Debts and anything else you can think of and when the scam has been completed and you have the card you MUST DESTROY all the plans and anything to do with the scam.

You'll also have 54 days to spend the money before the victim get the bill in the post, and they wont be very happy. If you dont spend it the owner gets the bill, reports it and the card gets blocked and it becomes un-usable.

G. WEBSITES.

*Always make purchases at a location other than your own home*. Here's a list of websites the card can be used at...

  • Amazon.co.uk - Purchases(UK), Video, DVD, Games etc.
  • Amazon.com - Puchases(USA), Video, DVD, Games etc.
  • Attitude.uk.com - Purchases(UK), Clothing and Accessories.
  • Ebay.co.uk - Purchases(UK), Second Hand Goods.
  • Ebay.com - Purchases(USA), Second Hand Goods.
  • Redwolfairsoft.com(USA), Guns, Ammo & Accessories.

H. BEATING THE "CREDIT SCORING SYSTEM".

First of all the name must look and sound decent, not like "Ricky Belvadere" or something like that, it must be like "Johnathan Williams", And the occupation must match the annual yearly income e.g. Car Salesman earning £70,000 not a Roadsweeper earning £150,000. A Road Sweeper would not be self-employed but a car salesman would. Also a person earning £70,000 would obviously own his own home. The Person would have to be aged around 30-40 years old, you're not going to have an 18 year old car salesman, homeowner earning around £70,000 a year. You gotta keap it realistic in order to beat it! Using this method i have beat the system twice and made £16,000 so far. If you dont keep it real the system will beat you and decline you a card.

I. CARD TYPES, SERVICES & RATES.

There are lots of different types of credit cards you can go for, some have £2,000 credit limit and some have upto £25,000. Two popular choices are "Visa" & "Mastercard". Some cards have special offers, but when you're commiting fraud dont go for these offers. Rates have no effect so nothing needs to be said about that.

J. IMPORTANT INTERNET TRACKING INFORMATION.

When you go to a website that issues credit cards it automatically places a cookie on your "Hard Drive". The information they can get is as follows;

  • Name & Address, To monitor internet traffic.
  • Exact Geographical Location, Security.
  • IP Number, Security.
  • ISP(internet service provider), e.g. MSN, Lycos, NTL, BT, Freeserve, AOL etc...
  • Screen Resolution. So the website knows how to display itself on your screen/monitor.

Thats why you shouldn't risk doing this at your home address and getting caught, see the "ENTERING INFORMATION" section.

K. SUMMARY.

Pulling this off without getting caught can be a long process, but if everything goes good and well the rewards speak for itself.

You can do almost anything you want with £25,000 so you gotta be patient throughout the whole process, if you get over anxoius you'll make one mistake and you're busted. Getting caught can land you in jail for years until you've paid of the money you intended to steal. SO BE EXTRA EXTRA CAREFUL WHEN DOING THIS. Just because it's a great scam doesnt make it right, whether you like it or not you're breaking the law.

L. TERMS OF USE.

This document "GuideToCreditFraud.txt" is for educational/recreational purposes only and no harm is or was intended on anyone, i can not be held responsible for any harm caused by anyone who uses this document. For More information or to ask questions about Fraud email me at [email protected] and i will get back to you as soon as possible.

 
To the best of our knowledge, the text on this page may be freely reproduced and distributed.
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