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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    >
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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

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 experation 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 appearence?  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:

1) Go on the First of the month.  (In a lot of stores, this is the
'clear the files day'.

2) Go to the mall.  That way, if one trash can is empty, you have a
hundred or so more.

3) 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.

4) For convienence, 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 probaly 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
suspicous.

	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:

1) Abandoned.

2) Isolated (No little old ladies calling the police or spraying you
with hoses).

3) 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 represenative".
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 Addresss

	Sometimes this will be written on the carbon.  But the best way
is just to use TRW...if you have a password for it.

Miscellanous
============

	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 Adverntures
in Fraud Series.

                             The End

