The Bible of Fraud 1
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| Volume I of The Adventures in Fraud Series |
| The Bible of Fraud |
| By: |
| Sneak Thief |
| Smog City..213-926-7720 |
| Thanx to: The Raider |
| Copyright, (C) 1985 by Sneak Thief |
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\=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=/Introduction
You ever wonder where that unemployed guy down the street got enough cash to start a 1200 baud board with 60 megs? Well, the answer, most likely, is Credit Fraud.
Credit fraud involves getting a credit card number (a CC #), and then ordering things by phone. All you need is the card number and the expression date. And a few other nasties...
Well, forget this basic stuff! Let's get into the good parts....
Getting Your Card
Always been meticulous about your appearance? Don't like to be dirty? Then the primary method of getting credit cards is not going to appeal to you.
When a customer buys something at a store or restaurant (with a credit card, of course), several carbons are made. The store puts these into their files, and throws them away a week or so later.
What's that? You say, "Why don't I go to the trash, and get these carbons?", do you? Well, you're correct; this is exactly what you do. Here are some tips:
- Go on the First of the month. (In a lot of stores, this is the 'clear the files day'.
- Go to the mall. That way, if one trash can is empty, you have a hundred or so more.
- Stay away from food stores. Sticking you're hand into last week's fried chicken is a price too high for a lousy credit card.
- For convenience, look for florists, video stores and the like. Video stores especially, since >every< transaction they make involves a credit card.
Ok, that is just one of the ways which you can get you're card here are the other primary methods:
CBI/TRW
CBI and TRW are Credit services which have Credit Cards, Addresses, names, and driver's licenses for most of the population of the United States. You can also use this system to find out the credit card mend calling through a PBX, then XXXXX (insert you're favorite phone service here).
Leeching
You could also get them off the credit fraud board on you're local elite BBS. Not a good idea, since most cards up there have about 1,000 dollars worth of porno tapes on them.
Better yet, you can ask a friend. This will probably work, but sometimes people give a card that they have used, or used but messed up with. Oh, the death of friendship!
Ok, you've got your card? Good.
Ordering
You've got to order your merchandise. To do this, call the orderline for the company, and talk to these people. If you're known as "The Human Carrier" by you're friends, or modems connect when you say "Hello", then forget it. These days they are getting mighty suspicious.
They will ask you what card you want to use. Master Cards have a 5 as the first digit of the first cluster, Visas have a 4.
If ice--very softly. Just say, "I'm sorry... I have this awful sore throat..."
The first rule is be polite. Don't sound nervous. If the lady asks you for the driver's license, and you don't have it, make one up, then before you hang up, say "I'm sorry, I'm going to have to cancel this order...my husband told me that he had already gotten the XXXXX (the item you were trying to order)" Try to order from a pay phone, and when they ask for a phone number, give them the pay phone's number. Or scan for a number that will ring, and ring... A board that is down is a good bet.
Now, you may ask, what address do I give the salesman?
The Address
The pick up is one of the most crucial part of the entire part. Here is what I think the ultimate address should be:
- Abandoned
- Isolated (No little old ladies calling the police or spraying you with hoses)
- About a mile or so away from your house
Number one could also have a friend of yours who will sign for the package, then when the feds come deny it ever arrived. This is unlikely.
Number two is obvious. I have been yelled at by numerous old people, and people that don't speak English. Not fun.
The mile away from you're house is obvious. Don't want people that know you to be witnesses.
Also, you can order to an occupied house. Send them a note by mail, telling them about a "computer glitch that sent some of our mechandise to you're address, and we will send a sales representative (or his son) to come pick it up." Spice this up, by apologizing for any hassles, and giving a fake name for the "sales representative". Then, when you go, just give them a little note authorizing you to be there with an impressive signature.
When you pick up the package, be calm. Talk to the people no longer than necessary, but don't run away or anything. Wear a hat, but don't wear a ski mask and sunglasses. Look normal, yet try and conceal as much of you're looks as possible.
If you do this right, you will look like a normal person, and the people will forget about you in the month or so it takes the credit agency to do anything about the fraud.
Advanced Fraud
To order more advanced, (ie: from Northwestern, or things that cost alot of money), you will need the following (usually):
- The Driver's License Number
- The Bank or Interbank Number (For MasterCard)
- The Billing Address
Sometimes this will be written on the carbon. But the best way is just to use TRW... if you have a password for it.
Miscellaneous
Reading an issue of U.S News and World Report (June 3, 1985) yesterday, I found an article on Phreaking, Fraud, and BBS's. Very interesting.
Said something about mailboxing, which is going through a company mailbox looking for let's say bills and the like which would have a credit number on it. Sounds interesting. Go on a Saturday, and look in the mailboxes. The last few days of a month would be a good idea, since maybe you could get lucky and snipe their Visa statement. That just goes to show that reading >some< value.
Look for cards like this one:
5024 0000 6184 3847
The second cluster means it's a "preferred" card, and you can order more stuff with it. Some cards only have 13 digits (i.e: 5024 000 618 787).
If you think you have ordered the limit of you're card, verify it. You do this by calling a dial up (usually 800), giving them a merchant number, the card number, the name on the card, the expiration date, and the amount to be spent. They will tell you it the card has enough money for the purchase. Get a dial up and merchant number by going to the Department Store. They are usually written on the phones.
For MasterCard, the Interbank number is right below the name on the carbon. Visa cards contain a bank number in one of the clusters.
Don't order from Northwestern. There prices are not worth all of the questions you have to answer.
Order from Conroy-LaPointe at 800/547-1289, they are quite easy.
Conclusion
There are no old carders. You quit, or you get caught. Plan what you want to get, and don't try and rush your frauds.
The first rule of fraud is, "Greed Kills." I think being arrested by the feds and having to face my parents and lose my computer about the same as death. But what is life without a little risk?
Try to sell most of the things you card. If there is no stolen (carded) stuff in you're house, they might go easier on you.
By the way, I am in no way responsible for any use made of the information in this file. It is for informational purposes only. And if you believe that, please leave me mail on Smog City about a business opportunity. I have this bridge...
That's about it for now. Look for Volume II in The Adventures in Fraud Series.
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< Volume I In the Adventures in Fraud Series >
< Copyright (C) 1985 >
< By: Sneak Thief >
< A Smog City Crew File >
< Thanks to: The Raider, Grandmaster DST, The Mugger, and >
< Simon Templar for telling me things I didn't know before >
< Smog City....213-926-7720 >
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=Now that you've finished the file, call Smog City...It's a great board!
Permission is given to put this file anywhere, as long as the credits are intact.
June 6, 1985 - Sneak Thief of the Smog City Crew
The End
