
                  ͻ
                   "Advanced Scam Techniques"         
                   Written by Pazuzu - April 19, 1993 
                   Released [insert issue # here]     
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Ok, pholks, I'm back with my first article for DnA - the NEW phreak/hack/etc 
group on the scene. Anyway, the basic scam techniques in my "Beginner's Guide 
to the Computer Underground", combined with the techniques presented here, 
provide a deadly arsenal allowing the skilled crook an unlimited license to 
steal anything his/her heart desires. 

I'd like to start off this article with a fascist tirade about the disgusting 
stuff the media/advertisers are doing with credit card fraud these days. The 
reasons for this are many, and one is that I've talked to many beginning 
carders in the past, who stopped doing it because they felt they were hurting 
the people whose cards they were using. This is utterly and totally 
incorrect...



->[Raving Fascist Mode On]<-

The way the media and advertisers have been playing on people's fear of being 
ripped off lately is totally appalling to me. Here is my favorite example:  
Have you all seen that new CitiBank TV commercial?  The one for the "Picture 
Visa Card"?  Well, anyway, if you haven't here's a brief synopsis:

[Benevolent CitiBank Announcer]: "Did you know that there are some absolutely 
vile and horrible people out there who might steal your credit card and use 
it illegally? That's right! Let's talk to Mr. Johnson, whose card was used 
illegally. Mr. Johnson?"

[Poor Stupid Mr. Johnson]: "Yeah, man, someone got my credit card and used it 
to buy $10,000 worth of stuff. Now I live in a cardboard box, my car got 
repossessed, my wife left me, my kids killed themselves, and I'm totally 
fucked!"

[Benevolent CitiBank Announcer]: "Well, that certainly sucks Mr. Johnson. But 
did you know that if you had had a CitiBank Picture Visa Card (C) (tm), that 
could never have happened! Your picture is right on the card, so there's no 
way anyone could ever use it but you!"

[Poor Stupid Mr. Johnson]: "Wow, you mean if I only had a CitiBank Picture 
Visa Card (C) (tm), this would have never happened?" <slits wrists>

[Benevolent CitiBank Announcer]: "Yes, that's right! Don't let this happen to 
you! Get your..."

Yeah, BULLSHIT. Let me tear this ridiculous commercial crap apart, piece by 
piece:

[a] Federal Law says that you're not responsible for purchases you never 
    made, and since Mr. Johnson never made those purchases, he ain't liable. 
    Of course, as usual, you have to FIGHT for those rights, but it ain't 
    hard. Of course the card issuer WANTS to get you to pay, but you don't 
    have to.

[b] 95% of all credit card fraud DOES NOT, repeat, DOES NOT involve use of 
    the physical card, it's done through mail order, so HOW THE FUCKING HELL 
    CAN HAVING YOUR UGLY PICTURE ON THE FUCKING CARD STOP THIS TYPE OF FRAUD? 
    HUH? THAT'S RIGHT: IT FUCKING CAN'T!

Gee, guys, ya don't REALLY think CitiBank is acting in it's own interests 
here do ya? Nawwww... 

This commercial sensationalizes the whole thing and plays people's fears TO 
THE HILT. IT IS SICK! I'm planning to re-do the commercial and get it on 
public access cable...


[Money-Grubbing CitiBank Corporate Lackey]: "Did you know that there are some 
absolutely vile and horrible people out there who might steal your credit 
card and use it illegally? That's right! Let's talk to Mr. Pazuzu, whose 
card was used illegally. Mr. Pazuzu?"

[Evil CardHolder Damien Pazuzu]: "Yeah, so fucking what? Some smart-ass 
hacker got my CC number, used it, and got some cool shit. I don't care. I got 
the bill for $15,000, and I threw it in the fucking garbage. In fact, here's 
my card number, for anyone who needs anything: 4128 0950 1493 0666 0666! Fuck 
you all! When they called asking for the money, I just said "Hey - LICK MY 
FUCKING BALL-SACK, YOU FILTHY SNATCH! I didn't make the fucking purchases on 
the fucking card, and I don't give a fucking fuck, just claim it on yer 
fucking insurance, slut, I ain't paying a fucking DIME!"

[Money-Grubbing CitiBank Corporate Lackey]: "Uh, err, sorry folks, due to 
technical difficulty, this commercial will be broadcast at a later date... 
Mr. Pazuzu is a 5150 patient, don't listen to him..." 

....

->[Raving Fascist Mode Off]<-


Sorry, that just HAD to be said. On with the article...



NOTE: Some (if not all) of the scams in this article take time. However, the 
return on investment is easily more than 10-to-1, so have patience. Some of 
them require the use of someone who is over 18 (if you yourself aren't), and 
some also require spending a little money, but, as I said, the return is 
easily 10-to-1, so just bear with it, and you'll be very happy in the end. 
These scams also have the benefit of being basically virgin, as only I and a 
select few others are doing them.

There are some things that you may need in the use of these scams, and I want 
to tell you about them now, so you can start thinking about them (if not 
actually getting them). They are...




[a] A beige box - These are unbelievably useful, and everyone should have 
one. Get (or make) one NOW.

[b] A bogus business name - Think up a good one. It should be kinda high-tech 
sounding and make SURE it sounds legit.

[c] Business Cards - With the aforementioned bogus business name on them, and 
a name NOT YOUR OWN. These are very useful, and will only cost you like $20
per thousand.

[d] Purchase Order Forms - With the bogus business name as well. P.O.'s are 
exceptionally useful.

[e] A Post Office Box - This is not a necessity, but, for $36 a quarter, you 
too can have an unlimited license to steal. They never check names, so you 
can have a box in any name you like. 

[f] Mail-Forwarding Cards - These are another terribly useful item everyone 
should have. You can use them to forward from a bogus address to your PO box, 
or your house, so you can give out addresses (on BBS's) like "666 W 19th St,
Suite 1313, Costa Mesa, CA, 92627", and the mail will get to you. You can 
also use them to forward OTHER people's mail. More on that later. You can get 
these at any post office, and they're FREE. Get lots.

[g] Phone Lines - The More the Merrier - You NEED at least one, for the 
"business", and you should ALWAYS answer it saying "Good <insert time of 
day>, thank you for calling <insert business name>!", or something similar. 
This would be the number to put on the business cards & P.O. forms. Also, you 
should at least have access to one other one (even if it's a friend's), 
because some places are going to want bank references when you P.O. from 
them, and you just give them the OTHER bogus number, which should them be 
answered with the bank name you gave. Use a bogus bank name, like "First Bank 
of <insert your city name>". If you need a bank reference phone number, I can 
help with that, contact me at Minas Morgul.



These are the basic advanced scammer's tools. Start getting them now, or at 
least THINK about the bogus business name, because everyone knows businesses 
never steal... Yeah, I know, getting all this stuff comes to a little over a 
hundred bucks, but I've gotten over $5,000 worth of stuff using those tools, 
and the techniques I'm revealing to you, so I consider it WORTH IT.

Now, on with techniques...



Advanced Card Number Acquisition Techniques
-------------------------------------------

The wise carder will always keep an eye on what houses are up for sale near 
him. You see, often times a house takes around 6-7 months to sell, sometimes 
even longer. This offers a great opportunity to card WITH TOTAL IMPUNITY! 
What you do is keep tabs on what's for sale around you. There are many ways 
to do this - the easiest is to look for "for sale" signs, but the newspapers
and local Real Estate rags are good sources too. The second a house goes up 
for sale, keep watch on all outgoing mail from that house. When the house is 
almost sold, the family living there will INVARIABLY (if they have a fucking 
brain) forward their mail with a Magic Mail Forwarding Card. DO NOT LET THE 
CARD GO OUT! Take it and DESTROY IT! Also, they'll probably send a note to 
their CC companies telling them about the move, destroy those too. After the 
family moves, they'll think everything's peachy-keen. However, all their mail 
will still be going to their old house, which is now yours (basically). 
NOTE: After a house is sold and the old family moves out, there's almost 
always 2-3 weeks (at least) before the new one moves in. This is when you 
must STRIKE. You now have access to an empty house (read: DROP SITE), and THE 
CREDIT CARD NUMBERS OF THE PEOPLE THAT LIVE THERE! My GOD! The company you 
card from will NEVER catch on, since you're ordering it to the address on the 
account. Be sure to make the house look un-vacant, as UPS isn't is stupid as 
everyone thinks. HINT: Usually, the "For Sale" sign (especially when the 
"sold" is added) makes it look REAL vacant. Lose the sign. Anyway, you now 
have carded something with someone's credit card TO THEIR HOUSE (as far as 
the CC company knows anyway). This mix-up will take forever to solve, 
especially when you consider the cardholder IS NOT GETTING HIS MAIL. This is 
like taking candy from a baby.




Many carders think that the old "Social Engineering" method of getting card 
numbers, wherein you call someone at random saying you're the bank and you 
want to verify their card number, is dead. Well, for the most part it is. 
NOT. You just have to rethink it...


[Evil Carder Damien Pazuzu]: "Hello, Mrs. Jones, this is Rob Banks with 
ShittyBank. How are you this <insert time of day>?"

[Stupid Credit Card Fraud Victim Mrs. Jones]: "I'm fine. And you?"

[Evil Carder Damien Pazuzu]: "Oh, I'm fine. Listen, we're doing our yearly 
audit, and we noticed that our computer did something real weird. You're 
listed as having two accounts! This is no problem, and we want to delete the 
second account, but all the transactions are duplicated across the accounts. 
Which card are you using? 4128 0950 1493 0000 0000, right?"

[Stupid Credit Card Fraud Victim Mrs. Jones]: "No, I'm using 4128 XXXX XXXX 
XXXX."

[Evil Carder Damien Pazuzu]: "Ok, thank you for helping us! We'll delete the 
other right now. Have a nice <insert time of day>!"

[Stupid Credit Card Fraud Victim Mrs. Jones]: "Thanks, you too!"

[Evil Carder Damien Pazuzu]: <hangs up phone> "SUCKER!"


Trust me, this works. 




Purchase Order Fraud Revisited
------------------------------

In "Beginner's Guide to the Computer Underground", I briefly described how to 
rip off companies by using fake purchase orders. I felt the subject deserved 
more attention, so here we go...

First off, a Purchase Order is simply an easy way for a company to buy 
something from another company. They don't have to send cash or a check, then 
wait, they just fax a PO, and then get the stuff, then (usually) 30 days 
later, they're billed for it (this is called "net 30 terms" in case it's ever 
mentioned), then they send the money. Most companies that sell shit accept 
purchase orders, including USRobotics, Zoom Telephonics, Conner, Maxtor, etc, 
etc, etc. This is where the whole "bogus company" concept I talked about in 
the "tools" section at the beginning comes in. You will need the PO forms 
mentioned there, and they must look decent, as even though you will fax the 
first copy, you'll have to send an "original" after the fax copy, at least on 
the first run anyway. You can either have them printed at a print shop (like 
Kinko's), or get generic PO forms at a stationery store, and photocopy your 
bogus company name onto them. The print shop method is far better, but costs 
money. Take your pick.

The basic trick here is to make first contact with your victim company, and 
be VERY friendly with their Sales Weasel. The first time out, order something 
small, under $50 if possible. Most companies don't even care if they lose 
$50, so they'll always send the stuff. Type up the PO, fax it, then mail the 
original. You'll get the stuff, and when you do PAY THE FUCKING PO. I said to 
order something small, so it shouldn't cost much, just PAY THE DAMN THING. 
Then like two weeks after you've paid it, call back your sales person, and 
order the REAL thing you wanted in the first place. You already have a 
reputation of paying, and paying quick, so they'll almost always send it. If 
they don't, either move on, or order another small item, pay for it, and try 
again. Anyway, once they do send the real item you want, DON'T PAY FOR IT 
(obviously), and you're a happy man/woman/other. Also, don't ever try to use 
the same place twice, unless you like jail. 

PO Fraud is the Third Wave of Scamming, in my opinion, the First Wave being 
carding, the Second Wave being check fraud. Catch the Third Wave now!




Little Tidbits of Info
----------------------

1. I am now selling genuine PaZ Brand beige boxes. For a mere $45, you can 
have the finest beige box available. Send money to: P.O. Box 3195, H.B., CA, 
92605-3195. Upon receipt, I'll ship your beige box right out. Don't miss out! 
You NEED a beige box, why not get the BEST?!!?!??

2. The P.O. Box I mentioned that you should get in the "tools" section is an 
unlimited license to rip off magazines. Get ALL the mags you want, and NEVER 
pay!



Call:

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 Phreak/Hack/Scam/Virus/Trojan/Anarchy ONLY - FUCK WAREZ D00DZ!  
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