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<PRE> To The ELITE AoL UsEr TriBune, - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Part One: What Is Credit Bureau, Incorporated? As many of you know, CBI is a credit reporting agency, or credit bureau. It keeps the credit history of millions of Americans on file. Our friends at CBI have been kind enough to make this information available to the public for a moderate annual fee. If you are cheap, or if you just want to learn how to hack CBI, "you have come to the right place." Part Two: The CBI Account. A CBI account follows this general format: 3 Numbers, 2 Letters, 2-5 Numbers, a dash{-}, followed by a letter and a number. A sample might look like this: 123ab4567-a1. or: 123ab4567-a1,bc,d. Either way is acceptable. The `bc,d' is not necessary. Part Three: Connecting To CBI. When calling CBI, I suggest you use at least one outdial if you know for sure the account you have is valid. If you are going to be hacking accounts, use at least three outdials. I don't suggest calling direct, even if the dialup is local to you. If you don't know why, you don't deserve to be reading this text. CBI runs at either 300 baud, or that oh-so-technologically advanced 1200 baud. This means you will need a 300 or 1200 baud outdial for the NPA containing the CBI dialup. Make sure your terminal program is set at E-7-1. I also find it easier to work at half-duplex, because CBI does not echo a thing you type. So, if you connect with full-duplex, and don't see your account appearing on the screen, don't call your local P/H BBS and post twenty messages saying, "N0thInG i tYpE aPPeArS 0n tHe sCrEEn aT CbI!!!!!!!!!!!1!!1!1!!!!!!!!!!!!111!!!!!!!!!!!" (Note: the exorbitant amount of exlamation points is a sign of the loser's complete and utter idiocy.) Another thing I find useful is just to have my capture log running as I work. This saves you the trouble of having to write everything down, and it also serves as a good reference. Currently functioning CBI dialups are: *[201/984-6297] Newark, New Jersey *[503/226-1070] Portland, Oregon [612/341-0023] Minneapolis/St. Paul, Minnesota [713/591-8100] Houston, Texas *[804/466-1619] Norfolk, Virginia [916/635-3935] Sacramento, California The starred numbers I have not verified. Keep in mind some CBI accounts are only valid on certain dialups. They still serve any part of the country, you just can't use them on every dialup. I have found CBI accounts that work on more than one dialup, so it can't hurt for you to try. The worst thing you will get is a message saying it's NOT VALID ON THIS PHONE NUMBER or something. If you are hacking accounts and get this message, try the account that yields the message on different dialups. Maybe you'll "get lucky". CBI also has voice dialups. These numbers are provided for those "Social Engineers" out there. I have not verified these. [201/842-7500] Newark, New Jersey (Equifax Credit Information Services) [617/932-8163] Boston, Massachusetts (CBI) Part Four: Applied Password Use: Pulling Info. Use is fairly straightforward. When you connect to CBI, hit Control-S (^S) twice, then <RETURN> (<CR>) twice. You should get a message that reads: (ND)PLEASE SIGN-ON At this point you should enter the password. Make sure when you enter the password that you include a period at the end. This is very important; if you neglect to type the period, you won't get in. Type the password: "123ab456-a1." then hit CONTROL-S, and a <CARRIAGE RETURN>. The ^S is the CBI "wakeup" command. CBI doesn't respond to regular <CR>s. If you ever think CBI should be doing something, and it has just frozen, hit ^S. Chances are this will solve the problem. Anyway, you will then get a message telling you to WC5E - PROCEED This is when the fun begins. You decide you want to know your next door neighbor's credit history. Here is what you do: NM-SMITH,ALAN,S. <CR> CA-157,MAPLE,ST,YUTZVILLE,NY,10011. <CR> ID-SSS-012-34-5678. ^S <CR> This is, of course, based on the assumption that your subject's name is "Alan S. Smith" and that he lives at 157 Maple Street in Yutzville, New York, 10011, and that his Social Security Number is 012-34-5678. Keep in mind, the ID-SSS line is not necessary, but it is necessary if you are to distinguish between Alan S. Smith, Jr. and Alan S. Smith, Sr. Wait a moment. The report will pop up. You may want to hunt someone down from a Post Office Box. If this is the case, replace the above CA- line with this: CA-418#,POB,,YUTZVILLE,NY,10011. If you only have the subject's Social Security Number, type DTEC-012-34-5678. ^S <CR> This will give you a name and address to enter in the above format. Part Five: A Sample CBI Report. ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: S A M P L E C B I R E P O R T Note: All information in this report is fictional, including the ACCOUNT NOs and the BUS/ID CODEs. ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: *SMITH,ALAN,S SINCE 04/00/75 FAD 10/21/89 FN-700 157,MAPLE,ST,YUTZVILLE,NY,10011,TAPE RPTD 10/89 68,PENN,ST,NOWHERE,IA,50055 SEX-M,MAR-M,DEPS- 2,AGE-38,SSS-012-34-5678 01 ES-WALMART CORP 02 EF-MCDONALDS RESTAURANTS *SUM-01/85-01/91,PR/OI-NO,FB-NO, ACCTS:11,HC$6-1600, 3-ONES. *INQS-450DC81 02/24/89,178BB20089 02/06/89. * BUS/ID CODE RPTD OPND H/C TRMS BAL P/D RT 30/60/90+MR DLA/ACCOUNT NO 03 S*178BB34860 11/90 05/85 500 171 521 139 R5 01 01 01 66 1234567890123456 PREV HI RATES: R4 10/90, R3 09/90, R2 08/90 CLOSED ACCOUNT AMOUNT IN H/C COLUMN IS CREDIT LIMIT 04 I*178CD8712 10/90 03/89 123 123 123 O1 003/88 048286423 05 I*342IH34 10/90 12/85 1600 500 1600 R9 00 00 03 462642892 PREV HI RATES: R5 11/88, R5 10/88, R5 09/88 CHARGED OFF ACCOUNT AMOUNT IN H/C COLUMN IS CREDIT LIMIT 06 I*905PZ82 11/90 12/86 700 0 390 R9 00 00 00 16 3482684629331 PREV HI RATES: R9 03/89, R9 02/89, R9 01/89 CHARGED OFF ACCOUNT AMOUNT IN H/C COLUMN IS CREDIT LIMIT 07 U*178BQ282 10/90 01/85 231 231 R9 00 00 03 4560337134046711 PREV HI RATES: R5 04/90, R5 03/90, R4 02/90 CHARGED OFF ACCOUNT 08 I*956BB115 10/90 05/86 1100 0 R9 00 00 03 714827012 PREV HI RATES: R5 05/90, R5 04/90, R5 07/89 CLOSED ACCOUNT 09 I*178AC10870 07/90 05/87 123 123 123 123 R9 38812604654 CHARGED OFF ACCOUNT 10 A*906OC69 01/90 10/87 0 O5 00 00 01 09 01/90 4906124373 PREV HI RATES: O5 04/89. COLLECTION ACCOUNT PAID-CREDIT LINE CLOSED 11 I*906OF259 12/89 11/87 6 6 6 O9 00 00 02 3724962236703 PREV HI RATES: O5 11/89, O5 10/89, O9 02/89 12 I*416DC1577 11/88 11/87 300 R1 00 00 00 12 32134882735921 SETTLEMENT ACCEPTED ON THIS ACCOUNT CHARGE 13 I*421DC4566 07/89 10/87 401 390 372 R9 00 00 01 18736847728634 PREV HI RATES: R9 02/89, R9 01/89, R5 12/88 CHARGED OFF ACCOUNT CHARGE & END OF REPORT CBI AND AFFILIATES - 01/30/91 SAFESCANNED ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: E N D S A M P L E C B I R E P O R T ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: ------------------------------------------------------------------------------- ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: S A M P L E D T E C R E P O R T ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: M1 OF 1 NM-SMITH,ALAN,S CA-157,MAPLE,ST,YUTZVILLE,NY,10011,10/89 FA-68,PENN,ST,NOWHERE,IA,50055 ES-WALMART CORP SS-012-34-5678 AGE 38& END OF REPORT CBI AND AFFILIATES - 01/30/91 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: E N D S A M P L E D T E C R E P O R T ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Part Six: Making Sense Out of All That Shit. SMITH,ALAN,S - is the subject's last name, first name, and middle initial. SINCE 04/00/75 - I imagine this is how long they've had a file on the subject. (Since April, 1975). On the next line is his address- his current address is listed first, and his past addresses are listed underneath. SEX-M is pretty self explanatory. (It indicates he is a MALE. Jeez.) MAR-M is the subject's marital status (single, married, widowed, divorced). DEPS- 2 is the number of dependants the subject has. A dependant is most often a son or daughter of the subject who is still under 21. SSS-012-34-5678 is the subject's Social Security Number. ES- is the subject's current employer. EF- are his past employers, listed in order, from most recent to least recent. SUM-01/85-01/91 indicates that the report is a summary from January 1985 to January 1991. This really just tells you how far back in time the report covers. PR/OI-NO - Public Record/Other Information. This indicates whether or not the subject has been involved in any court cases (Public Record), and how those cases turned out (usually that is what Other Information is.) Obviously, the NO indicates the subject has not had any legal involvement during the period which the report covers. FB-NO - Firm/Business. I assume this signifies the subject is not a business. ACCTS:11,HC$6-1600 tells you that there are 11 entries listed below, and that the credit limit (or amount loaned, in the case of a loan) ranges from $6 to $1600. 3-ONES - This tells you the credit rating. The "3" indicates that there are 3 of the following type ("ONES" in this case). The more "ONES" a subject has, the better his rating. This particular person has a lousy credit rating. Out of 11 accounts, only 3 are ONES. There can also be TWOS, THREES, FOURS, et cetera, up through NINES. NINES are incredibly bad; the more of these the subject has, the worse his credit rating is. ZEROS indicate that the account was too new to be rated at the time the creditor last reported. INQS - This line tells what creditors have checked on the subject's credit. While interesting, it is more of a hassle than anything. You see, when YOU pull the subject's info, a little line will be added saying that your hacked account pulled the file. Now, this won't look funny until the subject reports fraudulent charging on his card. Then, CBI may check on who has pulled the guy's info. When they see that The First National Bank of Ethiopia has pulled his info, they will know something is up. They will probably call the First National Bank of Ethiopia and say, "Did you pull this dork's info?" And of course they'll say "No." Actually, I've made more out of this than it's worth. Anyway, the most recent credit check is listed first, and then it works backwards. It lists the ID CODE and the date the file was pulled. The next line contains the headings for the columns that fall under them. BUS/ID CODE is the CBI account (minus the password) of the creditor that holds the subject's credit card, loan, or whatever. In front of the actual ID CODE, there is a letter and an asterisk (*). The letter signifies what type of account it is. A - Authorized, C - Co-maker, I - Individual, J - Joint, S - Shared, T- Terminated, U - Undesignated. Consult your Local Library to find out what each type of account is. This isn't really relevant to what you are after. RPTD - The last time the creditor reported on the subject. OPND - tells when that account was opened. H/C - you will notice throughout the report that the "AMOUNT IN H/C COLUMN IS CREDIT LIMIT". On a loan, this column reports the amount loaned. TRMS - clarifies the terms of a loan. Usually in the case of a credit card, this column is blank. A "48M" in this column indicates that the amount in the H/C column will be paid back over a period of 48 months, or four years. In such a case, the number in the MR column subtracted from the 48 will tell you how many more months the subject has to go before paying off that loan. BAL is an abbreviation for BALANCE OWING. This is how much of the credit limit (on a credit card) has been used, or how much of the loan has been paid back. On a credit card entry, the BAL subtracted from the H/C is how much the subject is authorized to spend. P/D- Past Due. Every month, a minimum amount of money is due on your credit card payment. This may be as little as 10% of the total amount due. Now, the credit card company would be damned happy to see you only pay the minimum amount, because then they can charge interest on every thing you owe. But, if you do not pay this minimum amount (say you pay $75 out of a $100 minimum), then $25 will be PAST DUE. It isn't good to owe money thta RT - Rating. This column gives the credit rating for that particular account. An 'R' means the account is a revolving or option payment plan, an 'I' means it is an installment payment plan, and an 'O' means it is an open account. Consult your library for definitions. The number following it is the credit rating for that account. Remember, a '1' is good, and a '9' is really bad. The number of '1's here should match the number "X" in "X-ONES" on the first line. 30/60/90 - the number in the 30 column means that the subject has been between 30 and 59 days delinquent on his payment that many times. If a "2" is in the 60 column, this indicates that the subject has been between 60 and 89 days late with the minimum payment twice during the number of months in the MR column. A number in the 90 column would indicate that the minimum payment has been over 90 days past due "X" number of times. +MR - Months Reviewed. Indicates how many months thave been reviewed. (Obviously.) Say you have a "1" in the 30 column, and a 49 in the MR column. This indicates that the subject has been 30-59 days late with the minimum payment in the past 49 months. It's not really too hard to understand. DLA/ACCOUNT NO - This column contains the credit card numbers. Visa and Mastercard both have 16 digits. American Express (Amex) has 13 digits. DLA is the Date Last Activity. If there is a date in this column, it is NOT a credit card expiration date, it is telling you the last time that account was active. PREV HI RATES - This indicates the past ratings of the account on the date listed. Explanation of the DTEC report: "1 of 1" means that the first report of one is being listed. Remember, no two people have the same Social Security Numbers. NM is the subject's name. CA is the subject's current address. The date at the end of this line should match the most recent date on the address line in the subject's full report. The FA line lists former addresses. The ES line lists the subject's current employer. Following this is the subject's Social Security Number, which you must have already had to get the DTEC report. And lastly, the subject's age. Part Seven: Practical Use of CBI. You may have a question now, "Whose file do I pull?" You want to pull the file of someone who is rich. Usually Lawyers and Doctors will fit the bill. Look in the Yellow Pages under "Lawyers" and "Doctors" and find the names of some upper class bastards. You can use your local White Pages to cross-reference and get their home addresses. From here, you call CBI, and pull their file. Once you get the file, look in the DLA/ACCOUNT NO column. Find all the 13 and 16 digit numbers. 16 digit numbers starting with "4" are Visas. 16 digit numbers starting with "5" are Mastercards. 13 digit numbers starting with "37" are American Express. The first four digits of the card number signify the bank that issued the card. A list is supplied below, taken from the Narc Infofile #7, Update A. Thanks to Htaed for this. I have not done any work toward verifying these myself, either. VISA ---- 4428 Bank of Hoven 4128 Citibank CV 4271 Citibank PV 4929 Barclay Card CV (from England) 4040 Wells Fargo CV 4019 Bank of America CV 4024 Bank of America PV or CV 4019 Bank of America Gold (This card looks like a CV but without a CV after the expiration date) 4678 Home Federal 4726 Wells Fargo CV 4036 4561 4443 4833 4424 Security Pacific National Bank 4428 Choice Visa [Citibank(Maryland)]??? 4070 4735 4673 4044 4050 4226 Chase Manhattan Bank 4605 4923 4820 4048 CV 4121 Signet Bank CV 4368 Mastercard ---------- 5419 Bank of Hoven 5410 Wells Fargo 5412 Wells Fargo 5273 Bank of America Gold 5273 Bank of America 5254 Bank of America 5286 Home Federal 5031 Maryland Bank of North America 5326 5424 Citibank 5250 5417 5215 5204 5465 Chase Manhattan Bank 5411 5421 5329 Maryland Bank of North 5308 5217 5415 5291 Signet Bank American Express ---------------- 3728 GOLD 3713 Regular 3732 Regular 3737 3782 Small Corporate Card 3731 3724 3742 3727 3787 Small Corporate Card 3726 3766 3734 3749 3763 3710 3718 3720 3739 ---- At this point, your rendezvous with CBI is complete. Write the credit card number you obtained, and the subject's basic info in your notebook. Destroy the CBI report you have- there's no need to have evidence sitting around. Part Eight: Getting the CBI account. Okay kids, here's the hard part. Actually, it's not very hard at all. Just time consuming. First, you have to find an ID CODE. You know, the part of the account BEFORE the dash. Remember, the part following the dash is the password. To get the ID CODE, go trashing at a car dealership. You should find some printed out reports. On these reports (they should look like what I supplied above), you will find the "usernames" in the BUS/ID CODE column, and in the INQS line. All you have to add to this ID CODE is the password (obviously). Remember, the password is a letter and a number. So, say your ID CODE is 123ab4567. When CBI asks you to PLEASE SIGN ON, you begin hacking. Two common passwords are -c2 and -c3. So, the first two things you try to enter should be "123ab4567-c2. ^S <CR>" and "123ab4567-c3. ^S <CR>". If neither of these work, start at "123ab4567-a1." and work to "123ab4567-z9." If I don't find something by the time I get through -d9, I will usually pick another ID CODE and start over. You can do it however you like. The lazy way to do this is hang around on QSD with the sex freaks and see if you can find someone who will trade with you. Chances are you'll get screwed, because almost everyone there is a leech. They'll either give you something fake, or nothing at all. If you want to trade, there are more trustworthy and knowledgeable people on Lutzifer. Part Nine: ID CODEs. This section is a list of ID CODEs for you to hack on. This list is taken from The Ghost's file on CBI, because I am too damn lazy to make up my own list. {************************************************************************} I haven't collected these myself, so I don't know if they all are valid. But, what the hell, this is free, isn't it? Who are YOU to complain? Part Ten: We're Done. I hope you have enjoyed my text. This file is the first in a series of informational files written by me. I owe a few thank-yous to various members of the Renegade Legion, various members of SoC, Owsley, The Gypsy, The Ghost (for the ID CODEs), Htaed (for the Bank IDs), and Merchant, who supplied me with a decent portion of this information. [=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=] Original Distribution Sites: (516) The Demon's Crypt (617) The Grapevine (617) The Infinity Well (617) The Night Elite (617) The Works BBS (206) ELiTE AoL UsEr TRiBuNe SeCrEt HaCKeR BBS Internet Distribution (FTP sites): mars.ee.msstate.edu chsun1.uchicago.edu http://www.virii.org/users/commando/ [=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=][=]