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