         /-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=\ 
         |/                                          \| 
         | 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     | 
         |\                                          /| 
          \=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=/ 
 
 
 
 
 
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 you're card is of a female, talk in a low breathy voice--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 
hacve 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 satetement.  That just goes to show that reading 
does have  >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 
experation 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 infromational 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. 
 
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= 
<          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 

