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CBI MANUAL OF OPERATIONS

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Jul 12th, 2015
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  1.  
  2.        ######    ########    ####
  3.      ##########  ####  ####  ####   M A N U A L   O F   O P E R A T I O N S
  4.     ####    #### ####  ####  ####   ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
  5.     ###          #########   ####
  6.     ####    #### ####   #### ####
  7.      ##########  ####   #### ####
  8.        ######    ##########  ####
  9.  
  10. ==============================================================================
  11.  
  12. INTRODUCTION
  13. ~~~~~~~~~~~~
  14.   Welcome to The Complete CBI (Equifax) Manual.  This file is both a compilation
  15. of information from both me (Video Vindicator), /<ludge, and The White Rider.
  16. The object of this file is to disband all the mis-information all over the
  17. place concerning CBI, and to help new users to use this service to the peak
  18. of it's potential.  CBI can be a very powerful tool if used properly, and it
  19. can also be close to worthless if you don't know what you are doing, or are
  20. doing it improperly.  This file also has three sister-files, Equifax Info (by
  21. /<ludge), and Carding My Way (1 & 2) as well as the CBI Account and Merchant
  22. directory (all by me).  These files are all very useful reading as well, and do
  23. contain some info which it just wasn't fesable to include.
  24.   Once again it's time to go for my disclaimer, and I must point out that I
  25. speak only for me, and not for /<ludge (he can speak for himself quite well you
  26. know).  I don't care how you use this info, as long as it's in some sort of
  27. illegal or immoral way.  I do not solicite or condone the legal uses of this
  28. system, and or this file.
  29.  
  30. A BASIC OVERVIEW OF THE ACCOUNT
  31. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
  32.   CBI accounts all follow a certain pattern, and by learning this pattern you
  33. can maximize the effects of your pulls, and cover your activities as much as
  34. possible.  For example, it's is alot more uncommon for a Hospital to pull the
  35. person's file who's out of state, whereas a Collection Agency would do this
  36. without anyone noticing.  Here's a general idea of the account format:
  37.  
  38. 2 Char Alphanumeric             Up to 5 chars, Operators Name or Initials
  39. Password             \         /
  40.                       \       /              Printer on/off
  41.                        \     /              /
  42.             xxxLLxxxxx-xx,xxxxx,pull type,output to,turnication.[CTRL-S]
  43.            /    \   \              \                    \
  44.           /      \   Business ID    \                    Cut Lines
  45.          /        \                  \
  46. 3 numbers which   Type of            Either A,B,D,E,F,I,P,Q,U,V,W,X,Y,Z
  47. represent the     Business           (defines later on in the file)
  48. merchants location
  49.  
  50. Here's some examples of what a real account would look like:
  51.  
  52.     444AN1923-ZX,JT,P,,3.   162BB44911-P8,LH,E,A,3.   906ON201-R1,MT,DZ,,3.
  53.  
  54. These, of course, aren't valid, but they give you the idea of the setup of the
  55. accounts.  Every time you pull up someones credit history, your list of accounts
  56. (but not passwords) will grow, and can be utilized when the current account
  57. dies.
  58.   The First group of 3 numbers represent the state that the company originates
  59. from, and their basic geographic location in the state.  There can be many 3
  60. number identifiers for each state, and they aren't in any real order, so 111 &
  61. 113 might be Wyoming, while 112 might be Oregan.  They are alot like Social
  62. Security numbers, and only expand when needed.  Currently they span only from
  63. 139 to 906, but 907-999 have been left open and initialized, which would lead
  64. me to believe they plan to have to expand into their sometime in the future.
  65.   The second group of 2 chars represent whatever type of company this may happen
  66. to be.  Below is a current list of all the ones I have compiles, although this
  67. is updated in my file quarterly:
  68.  
  69.      ID   COMPANY TYPE                  ID   COMPANY TYPE
  70.      == - ============================  == - =============================
  71.      AA - (?) Equifax Non-Members       AN - Car Dealerships
  72.      AT - Car Tires                     AU - (?) Auto Wholesalers
  73.      AZ - (?) Car Leasing               BB - Bank-Related Accounts
  74.      CG - Clothing Stores               CS - UNKNOWN
  75.      DC - Department Stores             DM - (?) Catalog Store CC's
  76.      DV - UNKNOWN                       DZ - UNKNOWN
  77.      FA - Auto Manufaturing Loans       FC - Federal Credit Unions
  78.      FF - Financial Services -Loans     FM - Home Mortgage
  79.      FP - (?) Secured Loans             FS - (?) Savings Bonds
  80.      FZ - Student Loans                 HF - Furniture/Appliance Stores
  81.      HT - UNKNOWN                       HZ - UNKNOWN
  82.      IG - Insurance Companies           JA - Jewelery Stores
  83.      KZ - UNKNOWN                       LH - UNKNOWN
  84.      LP - Paint Stores                  LY - UNKNOWN
  85.      LZ - UNKNOWN                       MH - Hospitals
  86.      MZ - (?) Medical-Related           OC - Oil (Gasoline) Companies
  87.      ON - Non-Revolving CC's            PA - UNKNOWN
  88.      RE - Real Estate Companies         RA - Apartment Complex's
  89.      RZ - UNKNOWN                       SM - Motorcycle Dealers
  90.      UE - Utilities -Electricity        UG - Utilities -Natual Gas
  91.      UT - Phone Services (Like MCI)     VC - City/County Lawsuits
  92.      VF - UNKNOWN                       XZ - UNKNOWN
  93.      YC - Collection Agencies           ZB - Credit Bureaus
  94.      ZR - UNKNOWN                       ZS - UNKNOWN
  95.      ZW - UNKNOWN                       ZZ - UNKNOWN
  96.  
  97. The ones with a (?) before the type means that I am not sure that it is this
  98. type of company, but that it is my best guess.  Some are still listed as unknown
  99. because I have not gotten enough information on them in order to formulate a
  100. good guess.  By using this list you can target certain companies, and find
  101. exactly what you want to appear to be.
  102.   The Business ID number is a 1 to 5 character number that simply represents
  103. which store or business it happens to be.  This is of no real value to us, other
  104. than for reference.  Later on in the file I will cover this more completely,
  105. since it is the real heart of the account, other than the password.
  106.   Following the Business ID is a dash (-) and then a 2 character alphanumeric
  107. (meaning it can be either numbers or letters) which is the accounts password.
  108. If the account dies, and you wish to continue using it, it is always possible
  109. to just hack out the new one, since only these two chars changed.
  110.   Next is the operators name or initials.  In most cases this is the operators
  111. initals (so John Doe would be JD), although in some rare cases it is actually
  112. a name (so John Doe might be JOHN).  Some companies have fixed operators, and
  113. this will have to be hacked as well, although some do not, and anyones initials
  114. can be put here without detection.  One default initial setting is 'MC', so I
  115. would recommend using it when the proper one is not given with the rest of the
  116. account information.
  117.   Ok, here's the most important part of the account (aside from the password),
  118. this specifies what type of credit report you want, and/or what format you
  119. would like it it.  Here's a list of the types that can be used, and a brief
  120. description as well as an example pullup:
  121.  
  122. THE TEST SUBJECT
  123. ~~~~~~~~~~~~~~~~
  124.   Our test subject will be Kelly J. Kramer.  Here is what you would see at the
  125. top of each pull, no matter how you did it:
  126.  
  127. *  102 CREDIT ACCOUNTS REPORTING SERVICES                                    
  128.        1333 N 27TH BOX 20661 BILLINGS MT 59109 406/252-6375                  
  129.  
  130. *KRAMER,KELLY,J,,SHARON   SINCE 10/03/90  FAD 09/18/91          FN-218
  131. 2501,8TH,RD,HUNTLEY,MT,59037,DAT RPTD 09/91
  132. BOX 90,PO,,WORDEN,MT,59088,DAT RPTD 10/90
  133. 4707,CHRISTENSEN,,BILLINGS,MT,59101,DAT RPTD 02/91
  134. BDS-06/28/67,SSS-517-80-1543
  135.  
  136. The first piece of information you get is the specific place the database is
  137. located, and the subsidiaries name; in this case 'Credit Accounts Reporting
  138. Services', located at 1333 North 27th Box 20661, etc...  Next is the persons
  139. last name, then first, middle initial (or name if on file), and then a space
  140. for Jr, Sr, etc, then finally the spouses name (if any), in this case Sharon.
  141. SINCE means when the file was originally created, and FAD means the last time
  142. the file was accessed by someone else.  The FN represents the file number, but
  143. at this point it's only useful for reference.  The next three lines represent
  144. the last three addresses, from most recent to oldest, and the last date the
  145. subject was reported at it.  The final line (which is not alway there) will
  146. show the date of birth (BDS), and Social Security Number (SSS).  In some cases
  147. it will only tell you the persons age; if this happens then try pulling the
  148. file by one of the other methods.  Now onto the specifics...
  149.  
  150. THE LETTER A
  151. ~~~~~~~~~~~~
  152.   The Letter A simply stands for [A]lert, and is usually not a standalone (term
  153. is explained later).  It will tell you if anything in the report is something
  154. you should take extra note of.
  155.  
  156. *SUM-10/90-08/91,PR/OI-NO,FB-NO, ACCTS:2,HC$2000-9580, 2-ONES.
  157. INQUIRY ALERT - SUBJECT SHOWS  9 INQUIRIES SINCE 06/91
  158. -------------------------------------------------------------------------------
  159.  
  160. *INQS-IAR AFFIRM 613RZ00140 09/18/91     DAT EMPL   613RZ00140 09/18/91    
  161.       AFFIRMATIV 613RZ140   09/18/91     IAR INTEGR 613BB01199 09/04/91    
  162.       DAT EMPL   613BB01199 09/04/91     F INT BILG 898BB387   09/03/91    
  163.       INTEGRATEC 613BB1199  08/15/91     GREEN TREE 613FP15698 07/29/91    
  164.       F INT BILG 898BB387   06/10/91     GRNTREE    896FM24    02/21/91    
  165.       BANK ONE   674BB1065  10/03/90     &
  166.  
  167. END OF REPORT EQUIFAX AND AFFILIATES -  09/18/91                        
  168.  
  169. Ok, the *SUM line will also remain mostly the same, although I will include it
  170. in each of the methods, as a point of reference.  SUM stands for Summary from
  171. begining date to last updated date.  PR/OI means whether or not the person has
  172. other files open, such as a lien on their house, a legal judgement, etc.  FB
  173. means whether or not the information was gathered from another credit service.
  174. It is not uncommon to see a file with an inquery from either TRW or Trans Union
  175. since they all reference through eachother when in doubt.  Next is ACCTS, which
  176. tells you how many open accounts they currently have, followed by the amount
  177. added to the amount owed thus equalling their High Credit Limit... I don't mean
  178. for it to sound harded than it is, but here's basically what it looks like:
  179.  
  180.                             $2000 + $9580 = $11580
  181.  
  182. The $2000 is the amount they haved paid off, the $9580 is the amount they owe,
  183. and the $11580 is their High Credit Limit.  If the amount paid of
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