____ _________ _________
/ / / / / ______/
/ / / ---- / / /
/ / / ______/ / /_____
/ / / / /_____ /
/ / / / / /
/ / / / _____/ /
/___/ /__/ /_______/
INFINITE POSSIBILITIES SOCIETY
-=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>
IPS:A Ruthless Criminal Organization dedicated to World Conquest.We will die
for our cause!!Destroy The SYSTEM!!
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
MEMBERS
-------
Evil Priest PRESENTS
Citizen-One
Metal Ripper
Economic Ruler TRW MASTER FILE - 1
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
This file is the most complete and best file about TRW that has
ever been written in existance. In my oppinion TRW is the best credit reporting
service that ever existed. There is of course CBI / Equifax. I got all my
experience with TRW after working with their customer service for 2 months, so
this information is valid. The purpose of this file is to teach the user
ways one can get a TRW account and use it. The author in no way is
responsible for the actions of the people who read this file. It is intended
for informational purposes only. Screw that. I hope you go hack and hack them
TRW's untill all of us become as rich as the BANKS. I fully support all of
this and hell yeh I am responsible. I hope you will use this knowledge to beat
the system.
Just remember : FIGHT THE POWER - BECOME THE POWER
-Evil Priest/IPS
TRW HISTORY
-----------
To tell you the truth I have no idea what the history of TRW is. The
letters TRW stand for Thompson Rampley and Woodright , or something like that.
The three founders of the company. TRW not only deals with credit but has
extensive dealings with many other points of industry. The Hubbles Space
Telescope was in fact partially sponcered by TRW.
WHAT IS TRW
-----------
TRW is the largest databank of information that I know of regarding
people's credit. About 200+ million people are stored in it from US and Canada
. The main facilities are located in california and there are TRW offices in
almost every state. Look in the Yellow Pages under 'Credit'. There is a modem
# in not only every state but usually in every county that is connected to the
main facilities in California.
What is the purpose of TRW
--------------------------
If you ever try to get a credit card, lease a car, get a loan, or get a
morgage then the Bank or the place that is the lender will do a credit check on
you. If you have ever been late with a payment that is recorded in TRW, if you
ever had a credit card stolen or lost, that will also be recorded there. When
let's say you are applying for a loan the lender will see that you have already
2 loans and that you have been late with payments a lot he will deny you
credit and you will recieve a letter saying that you have been denyed credit bec
ause
of a negative report from Trw or CBI.
----------------------------------REAL USES------------------------------------
First thing that has to be done is you have to find out what your local TRW
modem # is. To do that simply call TRW and say that you are calling from Billy
Bob's Toyota and that you are new and the computer has been fucking up on you.
Ask for a local modem # in your area that you 'accidentaly' deleted from the
software you are using. 95% of the people will tell you to hold on and come
back with it. (If you live in NY,LA, or any other huge cities then you may run
into some trouble because of the amount of people trying to do scams there.)
NJ NODE PHONE # (908)/499-7310 300/1200 BAUD
FL NODE PHONE # (407)/632-7470 300 BAUD
Now you have a modem #. Call it and check. Make sure you are 1200 or 300
baud, (SOME NODES ARE 300 BAUD ONLY). Duplex at Half, Parity Even , 7 Bytes.
As soon as you see CONNECT, hit [CTRL] A. At this moment the system should
say something like:
-101-circuit building in progress
then it will clear the screen and give you a beep.
Ok before I go in more on how to operate within the system and pull credit
reports you must get a TRW SUBSCRIBER NUMBER W/PASSWORD.
TRW PASSWORD
------------
The subscriber number is always seven numbers long followed immediately by a
three letters or three numbers , or usually a mixture of both. Those last
three simbols are the PASSWORD. Dont bother hacking it with the old trial
and error . That will take for ever and TRW SECURITY is a large part of the
firm. What you have to do is get a copy of Yellow Pages and start calling
places that would have a TRW password. I had the most luck with AUTOMOBILE
dealers. You could try though any place that would need to check your credit
history. Banks, Credit Unions, Rental Places, Loan Places, etc... and many
others. Use your immagination. DONT BE SHY AND DONT BE AFRAID TO FAIL. Even
masters fail a lot. It takes me now 3-10 tries before getting a password but
back a while ago i had to go through a couple of phonebooks before succeding.
A good story to use is that you are calling from TRW and that you have had
some trouble with the system and want to verify your subscriber #. (First
of course ask the answering person to connect you to the credit department).
If they give you the subscriber # , DO NOT outright say ' Give me the pw now'
. Say something like - ' Yeh there should be 3 letters or numbers at the end'
it is very important , and would help me out greatly. Sometimes they will give
you 4 #'s or 2 #'s. This is wrong. They are looking at something different.
Experiment with new lins. Get practice and keep a loop or two handy incase
they want to call you back.
USING THE SYSTEM
----------------
You are logged on.
The screen is cleared.
You have a PW.
GET A PHONE BOOK (WHITE PAGES) of a nice rich town. Dont bother with
beverly hills, my and my friends combed that book with a fine comb. Find a
town in your state known for its large % of doctors and lawyers.
There are a lot of differnt preambles you can use. A few good ones to use are:
TNJ1, BFL2 and others.
this is what you type:
(THIS SUBSCRIBER # AND PASSWORD ARE FICTIONAL)
BFL2 RTS 2359690RH2 smith john ...,123 h 07078 [HIT CTRL-S]
Lets break this line down a little:
BFL2 = PREAMBLE
RTS = R.T. are the initials , supposedly yours.
2359690RH2 - is the Subscriber # with a Password
Smith - someone's last name
John - someone's first name
..., - Ok, now if the man has a middle name simply put the FIRST letter
of the middle name instead of the first dot (ex. smith john r..,)
The second dot is his wife's first letter of first name. The
third dot is eather J for Junior, S for Senior , 2 for Second,
or 3 for third (like John Smith III).
IF YOU DONT KNOW ANY OF THE THREE SIMPLY you can put a comma
right after john. (ex. Smith John,123 h 07078)
Examples:
Name: (Bill Thomas Rett III) on 123 Apple Street zip:07078
Type on TRW: Rett Bill T.3,123 A 07078
Name: (George Williams Junior / Wife: Ellen) on 123 Apple St
Type on TRW: Williams George .EJ,123 a 07078
Name: (Alfred Phillips) on 123 Apple St. zip:07078
Type on TRW: Phillips Alfred,123 a 07078
It is really not necissary to do this but the more information
you give to the system the more accounts it will usually show.
123 h 07078 - 123 is the house #, H is the first letter of street and 07078
is the zip code.
Ok now if he lives in an apartment that doesnt matter.
If his street is WEST HARRISON AVE use the H and not the W.
Never use the compass directions for the first letter of
street. If he lives on Third Ave, Use the # 3 and not letter T
for THREE.
ex: 231 Twenty Fourth Ave Apt.12 use: ,231 2 07078
If he uses a P.O. Box as an address use the following ex:
address: John Smith , P.O. Box 231 , Zipcode 12122
In TRW : Simth John,231 # 12122
I usually dont bother to type differnt Zip Codes for same town.
For example if you are pulling the Melbourne FL phone book,
just use the MELBOURNE ZIP CODE, There are a total of maybe
25 different zipcodes included in the phone book but TRW does
cross referencing. So if The guy lives in Satellite Beach
(zip 32927) and you use Melbourne zip (32901), he will still
be most likely pulled up. Use Macros when pulling it will save
you tonns of time.
TRW ERROR CODES
---------------
MAKE dure your buffer is always open because things flash on your screen at
huge speed and then the screen clears, so you will have no idea what error
occured.
There are tons of error messages. Most of them tell you that you are not
entering the information in the way that is recognized by the system. Check
what you are writing against this file and try again. Later I will include
samples of actual reports.
If you get a message saying something like :invalid password, call your
representative then I guess its time to find a new subscriber # and passoword.
If on the other hand the system says INVALID SUBSCRIBER NUMBER, you are simply
using a wrong PREAMBLE. Find the correct preable for the area where the PW
originated from and you will be fine.
If you try to access a person not in the record you will get :
PAGE 1 DATE 10-05-91 TIME 8:43:30 PCD05 V602 BFL2
*********** NO RECORD FOUND ***********
END -- CREDIT DATA SERVICES
or something like that..
--------------------------UNDERSTANDING THE REPORT----------------------------
I will include a sample report with key info changed and will discuss it.
here is what a crdit report looks like things with () around them are my notes
:
BFL2 rts 1111111xx1 smith richard,1201 f 32901 (CTRL-S)
(SCREEN CLEARS)
PAGE 1 DATE 10-05-91 TIME 8:45:54 PCD05 V202 BFL2
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 221242106,
MID INIT IS L
RICHARD L SMITH SSN: 221-24-2106 (SOCIAL SEC #)
1201 FIRMGO DR
SATELLITE BCH FL 32937
RPTD: 6-89 (* = NOT DEFINITE SUM OR FIGURE)
PROFILE SUMMARY:
PUBLIC RECORDS-------0 PAST DUE AMT--------$0 INQUIRIES----4 SATIS ACCTS--10
INSTALL BAL----$10,128 SCH/EST PAY-------$293* INQS/6 MON---3 NOW DEL/DRG---1
R ESTATE BAL---$53,374 R ESTATE PAY------$480 TRADELINES--11 WAS DEL/DRG---0
REVOLVNG BAL------$983 REVOLVNG AVAIL-----90%* PAID ACCTS---0 OLD TRADE--5-87
SUBSCRIBER DATE OPN AMT/TYPE ACCT STATUS
ACCOUNT # BAL DATE BALANCE STATUS DATE PYMT HISTORY
SUBSCR # TYPE TERMS ECOA LAST PAY MONTH PAY $PASTDUE IN PRIOR MOS
JC PENNEY (CHG=charge card) 5-87 $100 H CURR ACCT
213459494220 8-31-91 $0 7-89 NNNNNNNNNNNN
1300097 CHG REV 1 6-89 NNNNNNNNNNNN
BURDINES 10-89 UNK CURR ACCT
55422522 9-07-91 $0 9-91 NNNNNNNNNNNN
1392176 CHG REV 1 NNNNNN
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
4533296571 8-31-91 $53,374 1991 CCCCC-CCCCCC
3991532 R/F 30 0 8-91 $480 CC-CCCCC-CCC
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 221242106,
YOB IS 1957,MID INIT IS L,SPOUSE INIT IS E
RICHARD L SMITH SSN: 221-24-2106 EMPL: XENO ART INC
1201 FIRMGO DR YOB: 1957 RPTD: 12-87
SATELLITEBEACH FL 32937 SPOUSE: E
RPTD: 2-90
C & S NATIONAL BANK 4-91 $8,600 O CURR ACCT
520025t4442561001 8-31-91 $7,988 8-91 CCCC
1190205 AUT 42 2 8-91 $262
(AUT^ is AUTOMOBILE LOAN)
+++++ MORE
RTS 1111111 SMITH RICHARD,1201 F 32922
PAGE 2 DATE 10-05-91 TIME 8:45:54 PCD05 V202 BFL2
MANUF HANOVER TRUST CO 2-91 $5,000 L CURR ACCT
4262770653297360 (CRED CARD) 7-31-91 $912 7-91 CCCC
1290387 CRC REV 2 7-91 $16
CITICORP/CHOICE 12-89 $1,500 L CURR ACCT
5423796011034559 9-01-91 $0 3-90 NNNNNNNNNNNN
1439507 CRC REV 1 NNNNNNN
CITICORP/CHOICE 3-91 $3,000 L CURR ACCT
5423796034550403 9-01-91 $0 5-91 NNNN
1439507 CRC REV 0
MBGA/HMDEPOT 9-90 -$100 H CURR ACCT
990708123003010 6-15-91 $28 6-91 NNNNNNNNN
1672219 CHG REV 1 $15
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
8635600805456 12-31-87 $2,140 12-87
1970242 UNK UNK 1
DILLARDS/IVEYS 2-88 -$100 H CURR ACCT
3041086544288 8-29-91 $0 8-91 NNNNNNNNNNNN
2349440 CHG REV 2 ---NNNNNCNNN
DISCOVER CARD SERVIC 10-88 $700 L CURR ACCT
601145446551 9-13-91 $43 9-91 CNNNCCCNNNCC
3276502 CRC REV 2 8-91 NNCCCCCCCCCC
INQUIRIES:
COMMUNITY EDUCATORS CU 4-09-91 1700194
BARNETT BK 4-07-91 1190644
BONIFACE CHRYSLER DODGE 4-05-91 1961260
MONOGRAM CR CD BK OF GA 9-05-90 1230374
END -- CREDIT DATA SERVICES
When the file says -----*ATTN* FILE VARIATION. it simply adds all the info
that is in the computer to the info you gave and give you the complete report
Next is Profile Summary is hard to understand and for those of you that
plan just to rape the cards or attempt to get plastic there is no need to know
it. For others I will briefely go into it:
PUBLIC RECORDS --- # of records that involve court cases (usually 0).
INSTALL BAL --- AMOUNT $$ still owed to cred card companies
R ESTATE BAL --- BALANCE OWNED ON REAL ESTATE GUY HAS
REVOLVNG BAL --- MONTHLY BALANCE THAT HAS TO BE PAYED THAT MONTH
PAST DUE AMT --- AMOUNT FROM PREVIOUS MONTHS STILL DUE
SCH/EST PAY --- NOT TOO SURE , SOMETHING WITH ESTIMATED PAY
R ESTATE PAY --- WHAT HE PAYS A MONTH FOR HIS REALESTATE
REVOLVING AVAIL--- THIS SAIS THE % of money that is available to be spend
if it is at 100% then he never usues his cards. If it is
like 20% then he has huge balances due.
INQUIRIES --- # OF OTHER COMPANIES THAT LOOKED AT THE PERSON'S REPORT
INQS/6 MON --- # OF OTHER COMPANIES THAT LOOKED AT REPORT IN LAST 6 MONTHS
TRADELINES --- NOT SURE
PAID ACCTS --- # OF ACCOUNTS THAT ARE FULLY PAID UP/CANT BE CRED CARDS
THIS APPLIES TO LOANS/MORGAGES.
STATIS ACCTS --- # OF ACCOUNTS THAT THE PERSON HAS LISTED.
NOW DEL/DRG --- # OF ACCOUNTS THAT ARE DELINQUENT NOW.(VERY BAD FOR CREDIT)
WAS DEL/DRG --- # OF ACCOUNTS THAT WERE DELINQUENT IN THE PAST.
OLD TRADE --- DATE. UNKNOWN
I will take one account and try to explain all of the things . Usually every
account follows the same pattern. Most of the account numbers are not complete
and only a few credit cards actually list the whole card numbe. Those cards
are: Manufacturers Hanover, First USA, Sun Bank, Mellon Bank, First Virginia,
Chase. The banks that dont list last 4 digits are : Citibank, Universal Bank,
Discover Card. There are hundreds more on each list but these are the most
common. Remember, an account is only a credit card if you see CRC under TYPE.
If you see CHG or C/C it is a Charge Card (ex. Sears, JC Penny, Sax). A (*)
next to any account signifies that the information is not exact.
(example):
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
8635600809888 12-31-87 $2,140 12-87
1970242 UNK UNK 1
UNK = UNKNOWN
----I will take apart now one credit card block to show you what all of the
things really mean:
(EXAMPLE):
DISCOVER CARD SERVIC 10-88 $700 L CURR ACCT
601100486551 9-13-91 $43 9-91 CNNNCCCNNNCC
3276502 CRC REV 2 8-91 NNCCCCCCCCCC
----------------------------BREAKDOWN OF BLOCK--------------------------------
(A) DISCOVER CARD SERVIC (B) 10-88 (C) $700 L CURR ACCT
(D) 601100486551 (E) 9-13-91 (F) $43 (G) 9-91 CNNNCCCNNNCC
(H) 3276502 (I) CRC (J) REV (K) 2 (L) 8-91
NNCCCCCCCCCC
(A) - Name of the company who reported this information to TRW and to whom
this account belongs. In this instance this account belongs to Discover
Card. Each month they send an update to TRW of all their members.
(B) - The date the person opened this account. In this instance it was opened
on October of 1988.
(C) - This is the Total Credit Line/Limit of the Account. The person has 700$
total Credit Line.
(D) - This is the account #. Discover Card doesn't show whole accounts unless
you use a special PW which i think could only be used localy (inside
TRW building).
(E) - Last date Discover card (in this instance) send updates to TRW about
the account.
(F) - Balance owed on the account total. If you subtract (F) from (C) you
will get the available credit to spend , which in this case is 657$.
(G) - Month and Date that this report was pulled up by you.(me in this case)
(H) - The subscriber number of Discover Card in this case. All you need is
the PASSWORD and you could use their TRW account.
(I) - In this case it is CRC which is a Credit card, It could be one of 20
or more different 3 letter things. I will list a few common ones :
CHG= CHARGE CARD, CRC= CREDIT CARD , AUT= AUTOMOBILE LOAN,
UNK= UNKNOWN , R/F= HOME MORTGAGE , C/C= SMALL CHARGE ACCOUNT
THERE ARE MANY OTHERS BUT THESE ARE THE ONES WHICH HAVE REAL
RELEVANCE.
(J) - REV usually stands that the account is still open.
(K) - Number of people that are using this account. In this case there are
two people so it is probably the guy and his wife.
(L) - Date when the guy payed for his bill last. Sometimes there is also a
number which represents the $ figure of his last month's bill.
(M) - THE 'CNNNCCCNNNCC' shows month by month if the guy was CURRENT OR
LATE WITH HIS PAYMENTS. All this means that if he was on time or one
day late. If you see DELQ 30 , or DELQ 60 there, that would mean he
hasnt payed for a month or more. And that will ruin a person's credit
All credit/charge cards follow the same pattern. The only difference in a
loan or morgage account is that you will see tens of thousands or hundreds of
thousands. Always keep in mind that a Visa or Mastercard MUST start with a 4
or a 5 respectively and have eather 13 or 16 digits depending on bank. If you
see 17 digits or 14 , even if it is labeld as CITIBANK and starts with a 4 or
a 5 , it is not a credit card but a checking account. If the account is cut
the 16 digit account will show only 12 digits and the 13 digit one will show
only 9.
The next part explains more about FILE VARIATION:
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 211111564,
YOB IS 1957,MID INIT IS L,SPOUSE INIT IS E
RICHARD L HITLAN SSN: 211-11-1564 EMPL: XENO ART INC
1120 FLAMER DR YOB: 1957 RPTD: 12-87
SATELLITEBEACH FL 32937 SPOUSE: E
RPTD: 2-90
Use the ZIP CODE that is printed here instead of the one you put because
this is the correct zip code. SPOUSE is of course his wive. SS is the Social
Security Number. YOB is Year Of Birth. EMPL is Employer and below is reported
date when he started working there.
Last are the:
INQUIRIES:
COMMUNITY EDUCATORS CU 4-09-91 1700194
BARNETT BK 4-07-91 1190644
BONIFACE CHRYSLER DODGE 4-05-91 1961260
MONOGRAM CR CD BK OF GA 9-05-90 1230374
Those are the Names of companies that recieved a copy of the report that was
listed before. As soon as I pulled this guy's report the subscriber name and
number I was using was added to this list. The company name and the subscriber
number should be saved and used later in trying to get more PASSWORDS.
POINT OF USING TRW FOR 'ILLEGAL' PURPOSES
-----------------------------------------
Well you could figure that one out yourself. The possibilities are infinite.
You could just do the dumb thing of taking all the credit card #'s and using
them for mail order like any old 14 year old kid next door who got them out of
a garbage dumbster . Instead you should use your head and think of bigger
things out there.
(HINT) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
-------------------------------------------------------------------------------
FUTURE UPDATES TO THE FILE WILL BE MADE. PLEASE LEAVE ME MAIL ON EITHER
RIPCO - 312-528-5020 OR SOME OTHER CDC BOARDS
NIHILISM - XXX-XXX-XXXX
------------------------------------------------------------------------------
PLEASE SPREAD THIS FILE WISELY! USE THE KNOWLEDGE WISELY! DESTROY AND CONQUER
WISELY! ONLY THE SURVIVORS WILL BE LEFT AT THE END, AND THEY WILL BE WISE!
REMEMBER ONE FINAL THING. THERE ARE ONLY LAWS THAT YOU SET UP FOR YOURSELF.
DONT LET SOCIETY RULE YOUR LIFE!! MAY THE FUTURE MASTER PLAN WORK!
THERE IS ONLY ONE LAW IN THE UNIVERSE : THERE IS NO LAW! (C-1)
WRITTEN IN DECEMBER OF 1991 BY EVIL PRIEST WITH ASSISTANCE OF CITIZEN-ONE
(c)1987,88,89,90,91 IPS LTD.
Downloaded From P-80 International Information Systems 304-744-2253
-------------------------------------------------------------------------------
IPS:FOK-1
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
Directory:
Intro
History-IPS
TRW-MASTERFILE-92
Philosophy
Conclusion
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
TRW.MASTERFILE/IPS-92-FOK
(FO)rbidden (K)nowledge: F.O.K.
____ _________ _________
/ / / / / ______/
/ / / ---- / / /
/ / / ______/ / /_____
/ / / / /_____ /
/ / / / / /
/ / / / _____/ /
/___/ /__/ /_______/
INFINITE POSSIBILITIES SOCIETY
-=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>
IPS:A Fanatical Ruthless Organization of brilliant criminal minds dedicated
to World Conquest. We will die for our cause!!Conquer and Master the System!!
-=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>
Written By:CitiZen-0ne,Evil Priest,][aV0]<
Edited By:No one , we dont give a shit about grammar and spelling!Allwere
concerned with is that you understand what you read.....
-=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>
History-IPS
-=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>
IPS was founded and created shortly before New Years Eve, 1986. Sometime in
late December 1986 , CitiZen-0ne had a dream 0r a vision!Strangely he fell
asleep while the music from an intro by the group 'The Survivors' was playing.
He dreamt about society and mankind as a whole, torwards the end of the dream
he saw what looked like some kind of supernova and in its midst was a symbol
(which only 4 people in the world know what it looks like today). The IPS
symbol represented a way of life, a way of life that was later developed over
four years through 4-8 hour daily conferences on 3 way with CitiZen-0ne,
Evil Priest and Metal Ripper!To Rise above, Beat, Master and then Conquer
society/System keeping your feet on the surface and your mind in the sky.The
weak mock what they dont understand!!Dont conform, be an individual,think Big
and never let society or the system control or hinder ur life!Transcend,Beat,
Master and Conquer the System/Society!(This may seem a little strange or you
may not understand what where getting at ,but then again lets see you try to
explain away of life that was developed over 4years through 4-8 hour daily
discussions and a compilation of 2000 years of various philosophical theory
from all cultures throughout the planet)!The Symbol of IPS is the foundation
that started us, but it is our minds that have created the One way of IPS...
FOK,PHAC we seek the unknown and the forbidden!We try to Enlighten the wise!!
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
MEMBERS 0f IPS
=--------------=
CitiZen-0ne PRESENTS
Evil Priest
Metal Ripper
][aV0]< TRW MASTER FILE - 1
APRIL 1992
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
Written: In The Year Of ONE THOUSAND NINE HUNDRED AND NINETY DEUCE
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
This file is the most complete and best file about TRW that has
ever been written in existance.In my oppinion TRW is the best credit reporting
service that ever existed. There is of course CBI / Equifax. I got all my
experience with TRW after working with their customer service for 2 months, so
this information is valid. The purpose of this file is to teach the user
ways one can get a TRW account and use it. The author in no way
responsible for the actions of the people who read this file. It is intended
for informational purposes only. Screw that. I hope you go hack and hack them
TRW's untill all of us become as rich as the BANKS. I fully support all of
this and hell yeh I am responsible.I hope you will use this knowledge to beat
the system.LET THERE BE NO NO KNOWLEDGE KEPT FROM MAN!Use every advantage you
ever get in life, we only get one life!The weak and the ones who conform
to society will never transcend, their minds are confined to the ground like
flightless chickens! Open you Minds and set your imagination free! Transcend
society like a hawk escapes the ground!!MASTER AND CONQUER THE SYSTEM/SOCIETY!
Just remember : FIGHT THE POWER - BECOME THE POWER
-=<*> IPS <*>=-
-----
TRW:Your Economic life story
-----
TRW is one of the most powerful utilities on This planet,TRW tells you
practically every bit of information you could possibly need to know about
a member in society...
Credit is Money... Money is Power...
TRW HISTORY
-----------
The letters TRW stand for Thompson Rampley and Woodright, or something like
that. The three founders of the company. TRW not only deals with credit but
has extensive dealings with many other points of industry. The Hubbles Space
Telescope was in fact partially sponcered by TRW. We are going to exclude the
history of trw only because you can find that out yourself without any
problems, we also feel that the information is irrelivant for the
transient-ones.
WHAT IS TRW
-----------
TRW is the largest databank of information that I know of regarding
people's credit.Aboutç200+ million people are stored in it from US and Canada
.The main facilities are located in california and there are TRW offices in
almost every state. Look in the Yellow Pages under 'Credit'. There is a modem
# in not only every state but usually in every county that is connected to the
main facilities in California.
What is the purpose of TRW
--------------------------
If you ever try to get a credit card, lease a car, get a loan, or get a
morgage then the Bank or the place that is the lender will do a credit check on
you. If you have ever been late with a payment that is recorded in TRW, if you
ever had a credit card stolen or lost, that will also be recorded there. When
let's say you are applying for a loan the lender will see that you have already
2 loans and that you have been late with payments he will deny you
credit and you will recieve a letter saying that you have been denyed credit
because of a negative report from Trw or CBI.
----------------------------------REAL USES------------------------------------
First thing that has to be done is you have to find out what your local TRW
modem # is. To do that simply call TRW and say that you are calling from Billy
Bob's Toyota and that you are new and the computer has been fucking up on you.
Ask for a local modem # in your area that you 'accidentaly' deleted from the
software you are using. 95% of the people will tell you to hold on and come
back with it. (If you live in NY,LA, or any other huge cities then you may run
into some trouble because of the amount of people trying to do scams there.)
NJ NODE PHONE # (908)/499-7310 300/1200 BAUD
FL NODE PHONE # (407)/632-7470 300 BAUD
Now you have a modem #. Call it and check. Make sure you are 1200 or 300
baud, (SOME NODES ARE 300 BAUD ONLY). Duplex at Half, Parity Even , 7 Bytes.
As soon as you see CONNECT, hit [CTRL] A. At this moment the system should
say something like:
-101-circuit building in progress
then it will clear the screen and give you a beep.
Ok before I go in more on how to operate within the system and pull credit
reports you must get a TRW SUBSCRIBER NUMBER W/PASSWORD.
TRW PASSWORD
-------------
The subscriber number is always seven numbers long followed immediately by a
three letters or three numbers , or usually a mixture of both. Those last
three simbols are the PASSWORD. Dont bother hacking it with the old trial
and error . That will take for ever and TRW SECURITY is a large part of the
firm. What you have to do is get a copy of Yellow Pages and start calling
places that would have a TRW password. I had the most luck with AUTOMOBILE
dealers. You could try though any place that would need to check your credit
history. Banks, Credit Unions, Rental Places, Loan Places, etc... and many
others. Use your immagination. DONT BE SHY AND DONT BE AFRAID TO FAIL. Even
masters fail . It takes me about 3-10 tries before getting a password but
back a while ago i had to go through a couple of phonebooks before succeding.
A good story to use is that you are calling from TRW and that you have had
some trouble with the system and want to verify your subscriber #. (First
of course ask the answering person to connect you to the credit department).
If they give you the subscriber # , DO NOT outright say ' Give me the pw now'
. Say something like - ' Yeh there should be 3 letters or numbers at the end'
it is very important , and would help me out greatly. Sometimes they will give
you 4 #'s or 2 #'s. This is wrong. They are looking at something different.
Experiment with new lines. Get practice and keep a loop or two handy incase
they want to call you back.
USING THE SYSTEM
----------------
You are logged on.
The screen is cleared.
You have a PW.
GET A PHONE BOOK (WHITE PAGES) of a nice rich town. Dont bother with
beverly hills, me and my friends combed that book with a fine comb. Find a
town in your state known for its large % of doctors and lawyers.
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=Preambles=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
There are a lot of differnt preambles you can use. A few good ones to use are:
TNJ1, BFL2 and others.
Enter the geographic regional database code (Base). Here are some examples.
If you have a semi-complete or complete list. PLEASE post it!
TCA1 - Some of California
TCA2 - More of California (southern?)
TNJ1 - New Jersey
TNY1 - New York
TGA1 - Georgia
TMI1 - Michigan
This is to tell it what geographical area the customer is in, it really
doesnt matter which you use, because trw will automatically switch when it
finds the record..
We'll use BFL2 for our example:
=-=-=-=-=-=-=-=-=-=-=-=--=-=-=-=TC-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
We explained The Preamble or Base now were going to explain the **TC**
Then the transaction code (TC) types go as follows.
RTS - Most Common *** We will use this in our Examples ***
OPX
RTX
(NOTE: TRW will accept an A, C, or S as the 'X' in the transaction code)
-=-=-=-=-=-=-=-=-=-=-=-=-=-Format for Extracting-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
this is what you type:
(THIS SUBSCRIBER # AND PASSWORD ARE FICTIONAL)
BFL2 RTS 2359690RH2 smith john ...,123 h 07078 [HIT CTRL-S]
Lets break this line down a little:
BFL2 = PREAMBLE
RTS = R.T. are the initials , supposedly yours.Transaction code
2359690RH2 - is the Subscriber # with a Password
Smith - someone's last name
John - someone's first name
..., - Ok, now if the man has a middle name simply put the FIRST letter
of the middle name instead of the first dot (ex. smith john r..,)
The second dot is his wife's first letter of first name. The
third dot is eather J for Junior, S for Senior , 2 for Second,
or 3 for third (like John Smith III).
IF YOU DONT KNOW ANY OF THE THREE SIMPLY you can put a comma
right after john. (ex. Smith John,123 h 07078)
Examples:
Name: (Bill Thomas Rett III) on 123 Apple Street zip:07078
Type on TRW: Rett Bill T.3,123 A 07078
Name: (George Williams Junior / Wife: Ellen) on 123 Apple St
Type on TRW: Williams George .EJ,123 a 07078
Name: (Alfred Phillips) on 123 Apple St. zip:07078
Type on TRW: Phillips Alfred,123 a 07078
It is really not necissary to do this but the more information
you give to the system the more accounts it will usually show.
123 h 07078 - 123 is the house #, H is the first letter of street and 07078
is the zip code.
Ok now if he lives in an apartment that doesnt matter.
If his street is WEST HARRISON AVE use the H and not the W.
Never use the compass directions for the first letter of
street. If he lives on Third Ave, Use the # 3 and not letter T
for THREE.
ex: 231 Twenty Fourth Ave Apt.12 use: ,231 2 07078
If he uses a P.O. Box as an address use the following ex:
address: John Smith , P.O. Box 231 , Zipcode 12122
In TRW : Simth John,231 # 12122
I usually dont bother to type differnt Zip Codes for same town.
For example if you are pulling the Melbourne FL phone book,
just use the MELBOURNE ZIP CODE, There are a total of maybe
25 different zipcodes included in the phone book but TRW does
cross referencing. So if The guy lives in Satellite Beach
(zip 32927) and you use Melbourne zip (32901), he will still
be most likely pulled up. Use Macros when pulling it will save
you tonns of time.
TRW ERROR CODES
---------------
MAKE sure your buffer is always open because things flash on your screen at
huge speed and then the screen clears, so you will have no idea what error
occured.
There are tons of error messages. Most of them tell you that you are not
entering the information in the way that is recognized by the system. Check
what you are writing against this file and try again. Later I will include
samples of actual reports.
If you get a message saying something like :invalid password, call your
representative then I guess its time to find a new subscriber # and passoword.
If on the other hand the system says INVALID SUBSCRIBER NUMBER, you are simply
using a wrong PREAMBLE. Find the correct preable for the area where the PW
originated from and you will be fine.
If you try to access a person not in the record you will get :
PAGE 1 DATE 10-05-91 TIME 8:43:30 PCD05 V602 BFL2
*********** NO RECORD FOUND ***********
END -- CREDIT DATA SERVICES
or something like that..
--------------------------UNDERSTANDING THE REPORT-----------------------------
I will include a sample report with key info changed and will discuss it.
here is what a credit report looks like things with () around them are my notes
:
BFL2 rts 1111111xx1 smith richard,1201 f 32901 (CTRL-S)
(SCREEN CLEARS)
PAGE 1 DATE 10-05-91 TIME 8:45:54 PCD05 V202 BFL2
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 221242106,
MID INIT IS L
RICHARD L SMITH SSN: 221-24-2106 (SOCIAL SEC #)
1201 FIRMGO DR
SATELLITE BCH FL 32937
RPTD: 6-89 (* = NOT DEFINITE SUM OR FIGURE)
PROFILE SUMMARY:
PUBLIC RECORDS-------0 PAST DUE AMT--------$0 INQUIRIES----4 SATIS ACCTS--10
INSTALL BAL----$10,128 SCH/EST PAY-------$293* INQS/6 MON---3 NOWDEL/RG---1
R ESTATE BAL---$53,374 R ESTATE PAY------$480 TRADELINES--11 WAS DEL/DRG---0
REVOLVNG BAL------$983 REVOLVNG AVAIL-----90%* PAID ACCTS---0 OLD TRADE--5-87
SUBSCRIBER DATE OPN AMT/TYPE ACCT STATUS
ACCOUNT # BAL DATE BALANCE STATUS DATE PYMT HISTORY
SUBSCR # TYPE TERMS ECOA LAST PAY MONTH PAY $PASTDUE IN PRIOR MOS
JC PENNEY (CHG=charge card) 5-87 $100 H CURR ACCT
213459494220 8-31-91 $0 7-89 NNNNNNNNNNNN
1300097 CHG REV 1 6-89 NNNNNNNNNNNN
BURDINES 10-89 UNK CURR ACCT
55422522 9-07-91 $0 9-91 NNNNNNNNNNNN
1392176 CHG REV 1 NNNNNN
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
8635680809888 12-31-87 $2,140 12-87
1970242 UNK UNK 1
COUNTRYWIDE FUND CORP 1988 $54,000 O CURR ACCT
4533296571 8-31-91 $53,374 1991 CCCCC-CCCCCC
3991532 R/F 30 0 8-91 $480 CC-CCCCC-CCC
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 221242106,
YOB IS 1957,MID INIT IS L,SPOUSE INIT IS E
RICHARD L SMITH SSN: 221-24-2106 EMPL: XENO ART INC
1201 FIRMGO DR YOB: 1957 RPTD: 12-87
SATELLITEBEACH FL 32937 SPOUSE: E
RPTD: 2-90
C & S NATIONAL BANK 4-91 $8,600 O CURR ACCT
520025t4442561001 8-31-91 $7,988 8-91 CCCC
1190205 AUT 42 2 8-91 $262
(AUT^ is AUTOMOBILE LOAN)
+++++ MORE
RTS 1111111 SMITH RICHARD,1201 F 32922
PAGE 2 DATE 10-05-91 TIME 8:45:54 PCD05 V202 BFL2
MANUF HANOVER TRUST CO 2-91 $5,000 L CURR ACCT
4262770653297360 (CRED CARD) 7-31-91 $912 7-91 CCCC
1290387 CRC REV 2 7-91 $16
CITICORP/CHOICE 12-89 $1,500 L CURR ACCT
5423796011034559 9-01-91 $0 3-90 NNNNNNNNNNNN
1439507 CRC REV 1 NNNNNNN
CITICORP/CHOICE 3-91 $3,000 L CURR ACCT
5423796034550403 9-01-91 $0 5-91 NNNN
1439507 CRC REV 0
MBGA/HMDEPOT 9-90 -$100 H CURR ACCT
990708123003010 6-15-91 $28 6-91 NNNNNNNNN
1672219 CHG REV 1 $15
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
8635600805456 12-31-87 $2,140 12-87
1970242 UNK UNK 1
DILLARDS/IVEYS 2-88 -$100 H CURR ACCT
3041086544288 8-29-91 $0 8-91 NNNNNNNNNNNN
2349440 CHG REV 2 ---NNNNNCNNN
DISCOVER CARD SERVIC 10-88 $700 L CURR ACCT
601145446551 9-13-91 $43 9-91 CNNNCCCNNNCC
3276502 CRC REV 2 8-91 NNCCCCCCCCCC
INQUIRIES:
COMMUNITY EDUCATORS CU 4-09-91 1700194
BARNETT BK 4-07-91 1190644
BONIFACE CHRYSLER DODGE 4-05-91 1961260
MONOGRAM CR CD BK OF GA 9-05-90 1230374
END -- CREDIT DATA SERVICES
When the file says -----*ATTN* FILE VARIATION. it simply adds all the info
that is in the computer to the info you gave and give you the complete report
Next is Profile Summary is hard to understand and for those of you that
plan just to rape the cards or attempt to get plastic there is no need to know
it. For others I will briefely go into it:
PUBLIC RECORDS --- # of records that involve court cases (usually 0).
INSTALL BAL --- AMOUNT $$ still owed to cred card companies
R ESTATE BAL --- BALANCE OWNED ON REAL ESTATE GUY HAS
REVOLVNG BAL --- MONTHLY BALANCE THAT HAS TO BE PAYED THAT MONTH
PAST DUE AMT --- AMOUNT FROM PREVIOUS MONTHS STILL DUE
SCH/EST PAY --- NOT TOO SURE , SOMETHING WITH ESTIMATED PAY
R ESTATE PAY --- WHAT HE PAYS A MONTH FOR HIS REALESTATE
REVOLVING AVAIL--- THIS SAIS THE % of money that is available to be spend
if it is at 100% then he never usues his cards. If it is
like 20% then he has huge balances due.
INQUIRIES --- # OF OTHER COMPANIES THAT LOOKED AT THE PERSON'S REPORT
INQS/6 MON --- # OF OTHER COMPANIES THAT LOOKED AT REPORT IN LAST 6 MONTHS
TRADELINES --- NOT SURE
PAID ACCTS --- # OF ACCOUNTS THAT ARE FULLY PAID UP/CANT BE CRED CARDS
THIS APPLIES TO LOANS/MORGAGES.
STATIS ACCTS --- # OF ACCOUNTS THAT THE PERSON HAS LISTED.
NOW DEL/DRG --- # OF ACCOUNTS THAT ARE DELINQUENT NOW.(VERY BAD FOR CREDIT)
WAS DEL/DRG --- # OF ACCOUNTS THAT WERE DELINQUENT IN THE PAST.
OLD TRADE --- DATE. UNKNOWN
I will take one account and try to explain all of the things . Usually every
account follows the same pattern. Most of the account numbers are not complete
and only a few credit cards actually list the whole card numbe. Those cards
are: Manufacturers Hanover, First USA, Sun Bank, Mellon Bank, First Virginia,
Chase. The banks that dont list last 4 digits are : Citibank, Universal Bank,
Discover Card. There are hundreds more on each list but these are the most
common. Remember, an account is only a credit card if you see CRC under TYPE.
If you see CHG or C/C it is a Charge Card (ex. Sears, JC Penny, Sax). A (*)
next to any account signifies that the information is not exact.
(example):
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
8635600809888 12-31-87 $2,140 12-87
1970242 UNK UNK 1
UNK = UNKNOWN
----I will take apart now one credit card block to show you what all of the
things really mean:
(EXAMPLE):
DISCOVER CARD SERVIC 10-88 $700 L CURR ACCT
601100486551 9-13-91 $43 9-91 CNNNCCCNNNCC
3276502 CRC REV 2 8-91 NNCCCCCCCCCC
----------------------------BREAKDOWN OF BLOCK--------------------------------
(A) DISCOVER CARD SERVIC (B) 10-88 (C) $700 L CURR ACCT
(D) 601100486551 (E) 9-13-91 (F) $43 (G) 9-91 CNNNCCCNNNCC
(H) 3276502 (I) CRC (J) REV (K) 2 (L) 8-91 NNCCCCCCCCCC
(A) - Name of the company who reported this information to TRW and to whom
this account belongs. In this instance this account belongs to Discover
Card. Each month they send an update to TRW of all their members.
(B) - The date the person opened this account. In this instance it was opened
on October of 1988.
(C) - This is the Total Credit Line/Limit of the Account. The person has 700$
total Credit Line.
(D) - This is the account #. Discover Card doesn't show whole accounts unless
you use a special PW which i think could only be used localy (inside
TRW building).
(E) - Last date Discover card (in this instance) send updates to TRW about
the account.
(F) - Balance owed on the account total. If you subtract (F) from (C) you
will get the available credit to spend , which in this case is 657$.
(G) - Month and Date that this report was pulled up by you.(me in this case)
(H) - The subscriber number of Discover Card in this case. All you need is
the PASSWORD and you could use their TRW account.
(I) - In this case it is CRC which is a Credit card, It could be one of 20
or more different 3 letter things. I will list a few common ones :
CHG= CHARGE CARD, CRC= CREDIT CARD , AUT= AUTOMOBILE LOAN,
UNK= UNKNOWN , R/F= HOME MORTGAGE , C/C= SMALL CHARGE ACCOUNT
THERE ARE MANY OTHERS BUT THESE ARE THE ONES WHICH HAVE REAL
RELEVANCE.
(J) - REV usually stands that the account is still open.
(K) - Number of people that are using this account. In this case there are
two people so it is probably the guy and his wife.
(L) - Date when the guy payed for his bill last. Sometimes there is also a
number which represents the $ figure of his last month's bill.
(M) - THE 'CNNNCCCNNNCC' shows month by month if the guy was CURRENT OR
LATE WITH HIS PAYMENTS. All this means that if he was on time or one
day late. If you see DELQ 30 , or DELQ 60 there, that would mean he
hasnt payed for a month or more. And that will ruin a person's credit
All credit/charge cards follow the same pattern. The only difference in a
loan or morgage account is that you will see tens of thousands or hundreds of
thousands. Always keep in mind that a Visa or Mastercard MUST start with a 4
or a 5 respectively and have eather 13 or 16 digits depending on bank. If you
see 17 digits or 14 , even if it is labeld as CITIBANK and starts with a 4 or
a 5 , it is not a credit card but a checking account. If the account is cut
the 16 digit account will show only 12 digits and the 13 digit one will show
only 9.
The next part explains more about FILE VARIATION:
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 211111564,
YOB IS 1957,MID INIT IS L,SPOUSE INIT IS E
RICHARD L HITLAN SSN: 211-11-1564 EMPL: XENO ART INC
1120 FLAMER DR YOB: 1957 RPTD: 12-87
SATELLITEBEACH FL 32937 SPOUSE: E
RPTD: 2-90
Use the ZIP CODE that is printed here instead of the one you put because
this is the correct zip code. SPOUSE is of course his wive. SS is the Social
Security Number. YOB is Year Of Birth. EMPL is Employer and below is reported
date when he started working there.
Last are the:
INQUIRIES:
COMMUNITY EDUCATORS CU 4-09-91 1700194
BARNETT BK 4-07-91 1190644
BONIFACE CHRYSLER DODGE 4-05-91 1961260
MONOGRAM CR CD BK OF GA 9-05-90 1230374
Those are the Names of companies that recieved a copy of the report that was
listed before. As soon as I pulled this guy's report the subscriber name and
number I was using was added to this list. The company name and the subscriber
number should be saved and used later in trying to get more PASSWORDS.
-=-=-=-=-=-=-=-=-=-=-=-Explanation of Account #'s=-=-=-=-=-=-=-=-=-=-=-=-=-=-
TRW uses standardized ordering for its account numbers. Below is a list
of the common account prefixes and what they mean.
First Digit SECOND DIGIT
1.....TRW Eastern Region 0.....Public Record
2.....TRW Midwestern Region 1.....Bank
3.....TRW Western Region 2.....Bank credit card
4.....Inquiries from Broker's customers 3.....Retail
6.....Other credit reporting agencies 4.....Credit Card
with eastern region and comm- 5.....Loan Finance
ercial credit subscribers 6.....Sales Finance
7.....Other credit agencies within 7.....Credit Union
western region. 8.....Savings & Loans
8....." Same as above " 9.....Service & Profess
Example [3]234567 Example 3[2]34567
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=--=
Final Run-Down
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
TCA1 RTS 1234567OS5 SMITH JOHN S...,3123 H 37923<Ctrl S><return>
That is the one line version. Here is a rundown of that transaction
TCA1 = Regional Database Preamble
RTS = Transaction Code
1234567 = TRW Account
OS5 = Password
Smith John = Last/First name
H = Middle Initial
3123 = Street Number
H = First letter of street name
37923 = Zip code.
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
Terminology that may be useful
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
I hope you find the following information informative and useful
Below is a list of TRW business terminology. You will find these inside
account folders you pull. These will of be of use to you in figuring out
what exactly the hell you are reading!Some are uncommon
Term Explanation of Term
---- -------------------
Legal Legal Involvement
Collect Collection Account
Writ-Off Account Written Off
NSF Not Sufficient Funds
Lease Default Lease Default
Liens Liens
Repo Repossessed
RFC Refused Further Credit
Not Pay AA Not Paying as Agreed
Cia-Our-Req Cash in Advance-Our Request
Was Pastdue Account was Past Due
Was Problem Problems In the Past
CIA Cash in Advance
Adj.Bureau Adjustment Bureau
COD Cash on Delivery
COD Cusreq COD Customer Request
New Owner Recent Ownership Change
Hldg-Ord Holding Orders
Secured Secured Account
Discount Discount
Improving Improving
Unr-Disc Unearned Discount Taken
X-Deduct Unauthorized Deductions
Ref Fin Chg Refused Finance Charge
Satsftry Satisfactory Account
Bond Satis Bonding Satisfactory
Prompt Pays Promptly
Exlent Acct Excellent Account
1st Sale First Sale
21 Dys Late 21 Days Late
14 Dys Late 14 Days Late
7 Dys Late 7 Days Late
Exc Disc Excessive Discount Taken
Dispute Dispute Invoice
Prod Complt Product Complaint
Consol Note Consolidation Note
Ltd.Exp Limited Experience
Note Pays By Note
Floor Plan Floor Plan Account
Trd-Acpt Pays by Trade Acceptance
Ern Disc Earned Discount Taken
Job Complet Job Completed
Unfl-Ord Unfilled Orders
Installment Installment Account
New Account New Account
Consignment Sell on Consignment
Retention Retention
Multi Locate Multiple Locations Comments not Available
ADS XXX Average Days Slow
Sold XXX Yrs Number of Years Sold
DDWA XXX Dollar-Days Weighted Average
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
Uncommon or Unheard of Payment terms that you may see and dont understand
Payment Terms
------- -----
Term(Abrv.) Explanation of Term
---- -------------------
Net X Net Due in X Days
Net Eom Net amount due by the end of the month
Net Prx Net amount due on the 1st of the following month
N10 Prxo Net due within 10 days of the first of the following month
N10 Eom Net due within 10 days of the end of the month
X/10 N15 X Percentage discount if paid in 10 days or total amount
due in 15 days
X/15 N30 X percentage discount if paid in 15 days or total amount
due in 30 days
X/30 N45 X percentage discount if paid in 30 days or total amount
due in 45 days
X/10 Eom X percentage discount if paid in 10 days or total amount
due at the end of the month
X/15 Eom X percentage discount if paid in 15 days or total amount
due at the end of the month
X/10 Prx X percentage discount if paid in 10 days, otherwise due on
the first of the following month
X/15 Prx X percentage discount if paid in 15 days, otherwise due on
the first of the following month
X/Eom X percentage discount if paid by end of month
X/Prox X percentage discount if paid by the first of the following
month
Cs Dis Discount in return for payment before final due date.
Tr Dis Reduction of the selling price and is always available to the
customer regardless of the lateness of the payment
Special Special terms offered by seller
Contrct As stated in contract
Varied Offers several different terms
Roi Remit on receipt of invoice
D/S Draft Payable at sight
D/O Draft with order
COD Cash on Delivery
COD-Req COD at seller's request
CIA Cash in advance
CIA-Req CIA at seller's request
CWO Cash with order
NET Balance Due
Multi Customer has more than one way of paying
Note Written promise to pay at a specific time
Cash Cash only
---------------------------***Rundown of Abrv.***------------------------------
TRW uses standardized codes and abreviations for type aaf account inside
of the report. Below is a list of the most common ones found.
Type Abbrec Explanation
-==- -====- -=========-
00 AUT Auto
01 UNS Unsecured
02 SEC Secured
03 P/S Partially secured
04 H/I Home improvement
05 FHA FHA home improvement
06 ISC Installment sales contract
07 CHG Charge account
08 RVE Real estate specific type unknown
terms are in years
09 SCO Secured by co-signer
10 BUS Business
11 REC Recreational merchandise
12 EDU Educational
13 LEA Lease
14 COM Co-Maker
15 C/C Credit check or line of credit
16 F/C FHA Co-Maker
17 M/H Mobile home
18 CRC Credit Card
------------
Some of the information in this phile you may never come across, but its
always useful to have if you do ever come across it and dont understand it.
------------
POINT OF USING TRW FOR 'ILLEGAL' PURPOSES
------------------------------------------
Well you could figure that one out yourself. The possibilities are infinite.
You can destroy anyones life perminently through TRW or just exploit it!
99.999% of the population is not aware of how extremely powerful TRW is!!
You could just do the dumb thing of taking all the credit card #'s and using
them for mail order like any old 14 year old kid next door who got them out of
a garbage dumbster . Instead you should use your head and think of bigger
things out there.TRW = Access to 290Million peoples lives!You can take over a
persons identity or destroy it perminently or you could harness the millions
and millions of dollars just waiting to be extracted!!!THINK BIG, there is
potentialy unlimited power through TRW!! I KNOW FROM EXPERIENCE(c1)
$$$$$$$$$$$$$$$$$IP$$$$$$$$$$$$$$$$$$
We're not hinting you to do anything! The Possibilities are Infinite!!!!!!!!
-------------------------------------------------------------------------------
FUTURE UPDATES TO THE FILE WILL BE MADE. PLEASE LEAVE ME MAIL ON EITHER
RIPCO - 312-528-5020 OR SOME OTHER CDC BOARDS
PYR0'S - 407-254=3655 Fantasia(rarely) - 407-777-7580
-------------------------------------------------------------------------------
A POINT OF PHILOSOPHY
-------------------------------------------------------------------------------
C1
YOU MAY NOT RELIZE IT, BUT AFTER READING THIS FILE YOU HAVE A VERY POWERFUL
ADVANTAGE OVER THE REST OF SYSTEM/SOCIETY! ONLY THOSE WHO ARE STUPID GO DOWN!!!
PLEASE SPREAD THIS FILE WISELY! USE THE KNOWLEDGE WISELY! DESTROY AND CONQUER
WISELY! ONLY THE SURVIVORS WILL BE LEFT AT THE END, THE TRUELY WISE ONES!
REMEMBER ONE FINAL THING. THERE ARE ONLY LAWS THAT YOU SET UP FOR YOURSELF.
DONT LET SOCIETY RULE YOUR LIFE!! MAY THE FUTURE MASTER PLAN WORK!LET NO MAN OR
LAW CONFINE YOU OR YOUR THOUGHT!ALL LAWS CAN BE BEATEN , ALL LAWS HAVE
EXCEPTIONS !!WE DONT DONT BELEIVE IN LAW, EXCEPT THE LAWS YOU CREATE FOR
YOURSELF!THE WEAK MINDED WILL ALWAYS CONFORM!IF YOU USE COMMON SENSE AND WISDOM
YOU WILL NEVER GO DOWN!!ENJOY LIFE TO ITS FULLEST,RAISEHELL,LEAVE YOUR MARK AND
NEVER LET ANYONE EVER LIMIT YOUR PATH!I BELEIVE IN CHAOS!THERE IS CHAOS IN
ORDER AND THERE IS ORDER IN CHAOS! WHY CONFORM LIKE MOST SOCIETY IN ANY FORM?
TRANSCEND AND TRUELY BE FREE! WE ARE THE RULERS OF THE FUTURE!!A SUPREME MIND
HAS SUPREME THOUGH!!!!!!!FUCK THE REST!!!!!TECHNOCRIME IS FOR THE ELITE ONLY!!!
HACKERS OF THE WORLD, UNITE!!!!!!! (C-1)
WRITTEN IN APRIL OF 1992 BY CitiZen-0ne and Evil Priest
(c)1987,88,89,90,91,92 IPS LTD.
Please contact us on any of the Forbidden Knowledge BBS's!(FOK!) or (P)hreaking
(H)acking,(A)narchy and (C)racking. PHAC (pronounced FOCK or FUCK)
YOU ARE FREE TO USE ANYTHING IN THIS PHILE, all we ask is that you give IPS
credit where its do!Credit Goes to C-1,EP,IPS,Renegade Legion for all the info
here.
----------------------------Conclusion-----------------------------------------
IF YOU LIMIT YOURSELF OR LET OTHERS LIMIT YOU THEN YOU DONT BELEIVE IN
YOURSELF OR THE WAYS OF IPS!!IF THIS IS THE CASE THEN YOU CAN GO FUCK OFF!
Keep your feet on the ground and your mind in the Sky....
-------------------------------------------------------------------------------
][aV0]<'s last word
Remember
ont let outsiders come into our realm! The Modemworld or TechnoRealm
is not called CyberSpace and its not for geeks who have very little clue but
can read files!! Who the fuck came up with this shit calling hackers cyberpunks
not all hackers are glory geek!? Hacking,Phreaking,Anarchy etc.. all fall under
one title... Forbidden Knowledge!!! FOK ...(FO)rbidden (K)nowledge... Dont let
the govt. or any other organization confine your mind !!Let there be no
knowledge kept from man!! Transcend above society, Be an individual , Be your
self and be creative! The Weak Conform and mock what they dont understand!
Help IPS:FOK improve or expand this file information and clairity wise....(We
arent concerned with spelling or grammer as long as you can understand it, save
all that bullshit for society)!!Create your own standards ,your own life and
your own way.Dont let outsiders who dont belong into our realm, they misinform
and give the world the wrong perspective! If this continues the laws will limit
us even further, but then again who said we are bound by laws!THINK BIG,BELEIVE
IN YOURSELF and Conquer and Master the SYSTEM!!!FUCK THE REST!!!!!!
4-19-92 IPS:FOK
*** END ***
/ / / / / ______/
/ / / ---- / / /
/ / / ______/ / /_____
/ / / / /_____ /
/ / / / / /
/ / / / _____/ /
/___/ /__/ /_______/
INFINITE POSSIBILITIES SOCIETY
-=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>
IPS:A Ruthless Criminal Organization dedicated to World Conquest.We will die
for our cause!!Destroy The SYSTEM!!
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
MEMBERS
-------
Evil Priest PRESENTS
Citizen-One
Metal Ripper
Economic Ruler TRW MASTER FILE - 1
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
This file is the most complete and best file about TRW that has
ever been written in existance. In my oppinion TRW is the best credit reporting
service that ever existed. There is of course CBI / Equifax. I got all my
experience with TRW after working with their customer service for 2 months, so
this information is valid. The purpose of this file is to teach the user
ways one can get a TRW account and use it. The author in no way is
responsible for the actions of the people who read this file. It is intended
for informational purposes only. Screw that. I hope you go hack and hack them
TRW's untill all of us become as rich as the BANKS. I fully support all of
this and hell yeh I am responsible. I hope you will use this knowledge to beat
the system.
Just remember : FIGHT THE POWER - BECOME THE POWER
-Evil Priest/IPS
TRW HISTORY
-----------
To tell you the truth I have no idea what the history of TRW is. The
letters TRW stand for Thompson Rampley and Woodright , or something like that.
The three founders of the company. TRW not only deals with credit but has
extensive dealings with many other points of industry. The Hubbles Space
Telescope was in fact partially sponcered by TRW.
WHAT IS TRW
-----------
TRW is the largest databank of information that I know of regarding
people's credit. About 200+ million people are stored in it from US and Canada
. The main facilities are located in california and there are TRW offices in
almost every state. Look in the Yellow Pages under 'Credit'. There is a modem
# in not only every state but usually in every county that is connected to the
main facilities in California.
What is the purpose of TRW
--------------------------
If you ever try to get a credit card, lease a car, get a loan, or get a
morgage then the Bank or the place that is the lender will do a credit check on
you. If you have ever been late with a payment that is recorded in TRW, if you
ever had a credit card stolen or lost, that will also be recorded there. When
let's say you are applying for a loan the lender will see that you have already
2 loans and that you have been late with payments a lot he will deny you
credit and you will recieve a letter saying that you have been denyed credit bec
ause
of a negative report from Trw or CBI.
----------------------------------REAL USES------------------------------------
First thing that has to be done is you have to find out what your local TRW
modem # is. To do that simply call TRW and say that you are calling from Billy
Bob's Toyota and that you are new and the computer has been fucking up on you.
Ask for a local modem # in your area that you 'accidentaly' deleted from the
software you are using. 95% of the people will tell you to hold on and come
back with it. (If you live in NY,LA, or any other huge cities then you may run
into some trouble because of the amount of people trying to do scams there.)
NJ NODE PHONE # (908)/499-7310 300/1200 BAUD
FL NODE PHONE # (407)/632-7470 300 BAUD
Now you have a modem #. Call it and check. Make sure you are 1200 or 300
baud, (SOME NODES ARE 300 BAUD ONLY). Duplex at Half, Parity Even , 7 Bytes.
As soon as you see CONNECT, hit [CTRL] A. At this moment the system should
say something like:
-101-circuit building in progress
then it will clear the screen and give you a beep.
Ok before I go in more on how to operate within the system and pull credit
reports you must get a TRW SUBSCRIBER NUMBER W/PASSWORD.
TRW PASSWORD
------------
The subscriber number is always seven numbers long followed immediately by a
three letters or three numbers , or usually a mixture of both. Those last
three simbols are the PASSWORD. Dont bother hacking it with the old trial
and error . That will take for ever and TRW SECURITY is a large part of the
firm. What you have to do is get a copy of Yellow Pages and start calling
places that would have a TRW password. I had the most luck with AUTOMOBILE
dealers. You could try though any place that would need to check your credit
history. Banks, Credit Unions, Rental Places, Loan Places, etc... and many
others. Use your immagination. DONT BE SHY AND DONT BE AFRAID TO FAIL. Even
masters fail a lot. It takes me now 3-10 tries before getting a password but
back a while ago i had to go through a couple of phonebooks before succeding.
A good story to use is that you are calling from TRW and that you have had
some trouble with the system and want to verify your subscriber #. (First
of course ask the answering person to connect you to the credit department).
If they give you the subscriber # , DO NOT outright say ' Give me the pw now'
. Say something like - ' Yeh there should be 3 letters or numbers at the end'
it is very important , and would help me out greatly. Sometimes they will give
you 4 #'s or 2 #'s. This is wrong. They are looking at something different.
Experiment with new lins. Get practice and keep a loop or two handy incase
they want to call you back.
USING THE SYSTEM
----------------
You are logged on.
The screen is cleared.
You have a PW.
GET A PHONE BOOK (WHITE PAGES) of a nice rich town. Dont bother with
beverly hills, my and my friends combed that book with a fine comb. Find a
town in your state known for its large % of doctors and lawyers.
There are a lot of differnt preambles you can use. A few good ones to use are:
TNJ1, BFL2 and others.
this is what you type:
(THIS SUBSCRIBER # AND PASSWORD ARE FICTIONAL)
BFL2 RTS 2359690RH2 smith john ...,123 h 07078 [HIT CTRL-S]
Lets break this line down a little:
BFL2 = PREAMBLE
RTS = R.T. are the initials , supposedly yours.
2359690RH2 - is the Subscriber # with a Password
Smith - someone's last name
John - someone's first name
..., - Ok, now if the man has a middle name simply put the FIRST letter
of the middle name instead of the first dot (ex. smith john r..,)
The second dot is his wife's first letter of first name. The
third dot is eather J for Junior, S for Senior , 2 for Second,
or 3 for third (like John Smith III).
IF YOU DONT KNOW ANY OF THE THREE SIMPLY you can put a comma
right after john. (ex. Smith John,123 h 07078)
Examples:
Name: (Bill Thomas Rett III) on 123 Apple Street zip:07078
Type on TRW: Rett Bill T.3,123 A 07078
Name: (George Williams Junior / Wife: Ellen) on 123 Apple St
Type on TRW: Williams George .EJ,123 a 07078
Name: (Alfred Phillips) on 123 Apple St. zip:07078
Type on TRW: Phillips Alfred,123 a 07078
It is really not necissary to do this but the more information
you give to the system the more accounts it will usually show.
123 h 07078 - 123 is the house #, H is the first letter of street and 07078
is the zip code.
Ok now if he lives in an apartment that doesnt matter.
If his street is WEST HARRISON AVE use the H and not the W.
Never use the compass directions for the first letter of
street. If he lives on Third Ave, Use the # 3 and not letter T
for THREE.
ex: 231 Twenty Fourth Ave Apt.12 use: ,231 2 07078
If he uses a P.O. Box as an address use the following ex:
address: John Smith , P.O. Box 231 , Zipcode 12122
In TRW : Simth John,231 # 12122
I usually dont bother to type differnt Zip Codes for same town.
For example if you are pulling the Melbourne FL phone book,
just use the MELBOURNE ZIP CODE, There are a total of maybe
25 different zipcodes included in the phone book but TRW does
cross referencing. So if The guy lives in Satellite Beach
(zip 32927) and you use Melbourne zip (32901), he will still
be most likely pulled up. Use Macros when pulling it will save
you tonns of time.
TRW ERROR CODES
---------------
MAKE dure your buffer is always open because things flash on your screen at
huge speed and then the screen clears, so you will have no idea what error
occured.
There are tons of error messages. Most of them tell you that you are not
entering the information in the way that is recognized by the system. Check
what you are writing against this file and try again. Later I will include
samples of actual reports.
If you get a message saying something like :invalid password, call your
representative then I guess its time to find a new subscriber # and passoword.
If on the other hand the system says INVALID SUBSCRIBER NUMBER, you are simply
using a wrong PREAMBLE. Find the correct preable for the area where the PW
originated from and you will be fine.
If you try to access a person not in the record you will get :
PAGE 1 DATE 10-05-91 TIME 8:43:30 PCD05 V602 BFL2
*********** NO RECORD FOUND ***********
END -- CREDIT DATA SERVICES
or something like that..
--------------------------UNDERSTANDING THE REPORT----------------------------
I will include a sample report with key info changed and will discuss it.
here is what a crdit report looks like things with () around them are my notes
:
BFL2 rts 1111111xx1 smith richard,1201 f 32901 (CTRL-S)
(SCREEN CLEARS)
PAGE 1 DATE 10-05-91 TIME 8:45:54 PCD05 V202 BFL2
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 221242106,
MID INIT IS L
RICHARD L SMITH SSN: 221-24-2106 (SOCIAL SEC #)
1201 FIRMGO DR
SATELLITE BCH FL 32937
RPTD: 6-89 (* = NOT DEFINITE SUM OR FIGURE)
PROFILE SUMMARY:
PUBLIC RECORDS-------0 PAST DUE AMT--------$0 INQUIRIES----4 SATIS ACCTS--10
INSTALL BAL----$10,128 SCH/EST PAY-------$293* INQS/6 MON---3 NOW DEL/DRG---1
R ESTATE BAL---$53,374 R ESTATE PAY------$480 TRADELINES--11 WAS DEL/DRG---0
REVOLVNG BAL------$983 REVOLVNG AVAIL-----90%* PAID ACCTS---0 OLD TRADE--5-87
SUBSCRIBER DATE OPN AMT/TYPE ACCT STATUS
ACCOUNT # BAL DATE BALANCE STATUS DATE PYMT HISTORY
SUBSCR # TYPE TERMS ECOA LAST PAY MONTH PAY $PASTDUE IN PRIOR MOS
JC PENNEY (CHG=charge card) 5-87 $100 H CURR ACCT
213459494220 8-31-91 $0 7-89 NNNNNNNNNNNN
1300097 CHG REV 1 6-89 NNNNNNNNNNNN
BURDINES 10-89 UNK CURR ACCT
55422522 9-07-91 $0 9-91 NNNNNNNNNNNN
1392176 CHG REV 1 NNNNNN
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
4533296571 8-31-91 $53,374 1991 CCCCC-CCCCCC
3991532 R/F 30 0 8-91 $480 CC-CCCCC-CCC
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 221242106,
YOB IS 1957,MID INIT IS L,SPOUSE INIT IS E
RICHARD L SMITH SSN: 221-24-2106 EMPL: XENO ART INC
1201 FIRMGO DR YOB: 1957 RPTD: 12-87
SATELLITEBEACH FL 32937 SPOUSE: E
RPTD: 2-90
C & S NATIONAL BANK 4-91 $8,600 O CURR ACCT
520025t4442561001 8-31-91 $7,988 8-91 CCCC
1190205 AUT 42 2 8-91 $262
(AUT^ is AUTOMOBILE LOAN)
+++++ MORE
RTS 1111111 SMITH RICHARD,1201 F 32922
PAGE 2 DATE 10-05-91 TIME 8:45:54 PCD05 V202 BFL2
MANUF HANOVER TRUST CO 2-91 $5,000 L CURR ACCT
4262770653297360 (CRED CARD) 7-31-91 $912 7-91 CCCC
1290387 CRC REV 2 7-91 $16
CITICORP/CHOICE 12-89 $1,500 L CURR ACCT
5423796011034559 9-01-91 $0 3-90 NNNNNNNNNNNN
1439507 CRC REV 1 NNNNNNN
CITICORP/CHOICE 3-91 $3,000 L CURR ACCT
5423796034550403 9-01-91 $0 5-91 NNNN
1439507 CRC REV 0
MBGA/HMDEPOT 9-90 -$100 H CURR ACCT
990708123003010 6-15-91 $28 6-91 NNNNNNNNN
1672219 CHG REV 1 $15
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
8635600805456 12-31-87 $2,140 12-87
1970242 UNK UNK 1
DILLARDS/IVEYS 2-88 -$100 H CURR ACCT
3041086544288 8-29-91 $0 8-91 NNNNNNNNNNNN
2349440 CHG REV 2 ---NNNNNCNNN
DISCOVER CARD SERVIC 10-88 $700 L CURR ACCT
601145446551 9-13-91 $43 9-91 CNNNCCCNNNCC
3276502 CRC REV 2 8-91 NNCCCCCCCCCC
INQUIRIES:
COMMUNITY EDUCATORS CU 4-09-91 1700194
BARNETT BK 4-07-91 1190644
BONIFACE CHRYSLER DODGE 4-05-91 1961260
MONOGRAM CR CD BK OF GA 9-05-90 1230374
END -- CREDIT DATA SERVICES
When the file says -----*ATTN* FILE VARIATION. it simply adds all the info
that is in the computer to the info you gave and give you the complete report
Next is Profile Summary is hard to understand and for those of you that
plan just to rape the cards or attempt to get plastic there is no need to know
it. For others I will briefely go into it:
PUBLIC RECORDS --- # of records that involve court cases (usually 0).
INSTALL BAL --- AMOUNT $$ still owed to cred card companies
R ESTATE BAL --- BALANCE OWNED ON REAL ESTATE GUY HAS
REVOLVNG BAL --- MONTHLY BALANCE THAT HAS TO BE PAYED THAT MONTH
PAST DUE AMT --- AMOUNT FROM PREVIOUS MONTHS STILL DUE
SCH/EST PAY --- NOT TOO SURE , SOMETHING WITH ESTIMATED PAY
R ESTATE PAY --- WHAT HE PAYS A MONTH FOR HIS REALESTATE
REVOLVING AVAIL--- THIS SAIS THE % of money that is available to be spend
if it is at 100% then he never usues his cards. If it is
like 20% then he has huge balances due.
INQUIRIES --- # OF OTHER COMPANIES THAT LOOKED AT THE PERSON'S REPORT
INQS/6 MON --- # OF OTHER COMPANIES THAT LOOKED AT REPORT IN LAST 6 MONTHS
TRADELINES --- NOT SURE
PAID ACCTS --- # OF ACCOUNTS THAT ARE FULLY PAID UP/CANT BE CRED CARDS
THIS APPLIES TO LOANS/MORGAGES.
STATIS ACCTS --- # OF ACCOUNTS THAT THE PERSON HAS LISTED.
NOW DEL/DRG --- # OF ACCOUNTS THAT ARE DELINQUENT NOW.(VERY BAD FOR CREDIT)
WAS DEL/DRG --- # OF ACCOUNTS THAT WERE DELINQUENT IN THE PAST.
OLD TRADE --- DATE. UNKNOWN
I will take one account and try to explain all of the things . Usually every
account follows the same pattern. Most of the account numbers are not complete
and only a few credit cards actually list the whole card numbe. Those cards
are: Manufacturers Hanover, First USA, Sun Bank, Mellon Bank, First Virginia,
Chase. The banks that dont list last 4 digits are : Citibank, Universal Bank,
Discover Card. There are hundreds more on each list but these are the most
common. Remember, an account is only a credit card if you see CRC under TYPE.
If you see CHG or C/C it is a Charge Card (ex. Sears, JC Penny, Sax). A (*)
next to any account signifies that the information is not exact.
(example):
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
8635600809888 12-31-87 $2,140 12-87
1970242 UNK UNK 1
UNK = UNKNOWN
----I will take apart now one credit card block to show you what all of the
things really mean:
(EXAMPLE):
DISCOVER CARD SERVIC 10-88 $700 L CURR ACCT
601100486551 9-13-91 $43 9-91 CNNNCCCNNNCC
3276502 CRC REV 2 8-91 NNCCCCCCCCCC
----------------------------BREAKDOWN OF BLOCK--------------------------------
(A) DISCOVER CARD SERVIC (B) 10-88 (C) $700 L CURR ACCT
(D) 601100486551 (E) 9-13-91 (F) $43 (G) 9-91 CNNNCCCNNNCC
(H) 3276502 (I) CRC (J) REV (K) 2 (L) 8-91
NNCCCCCCCCCC
(A) - Name of the company who reported this information to TRW and to whom
this account belongs. In this instance this account belongs to Discover
Card. Each month they send an update to TRW of all their members.
(B) - The date the person opened this account. In this instance it was opened
on October of 1988.
(C) - This is the Total Credit Line/Limit of the Account. The person has 700$
total Credit Line.
(D) - This is the account #. Discover Card doesn't show whole accounts unless
you use a special PW which i think could only be used localy (inside
TRW building).
(E) - Last date Discover card (in this instance) send updates to TRW about
the account.
(F) - Balance owed on the account total. If you subtract (F) from (C) you
will get the available credit to spend , which in this case is 657$.
(G) - Month and Date that this report was pulled up by you.(me in this case)
(H) - The subscriber number of Discover Card in this case. All you need is
the PASSWORD and you could use their TRW account.
(I) - In this case it is CRC which is a Credit card, It could be one of 20
or more different 3 letter things. I will list a few common ones :
CHG= CHARGE CARD, CRC= CREDIT CARD , AUT= AUTOMOBILE LOAN,
UNK= UNKNOWN , R/F= HOME MORTGAGE , C/C= SMALL CHARGE ACCOUNT
THERE ARE MANY OTHERS BUT THESE ARE THE ONES WHICH HAVE REAL
RELEVANCE.
(J) - REV usually stands that the account is still open.
(K) - Number of people that are using this account. In this case there are
two people so it is probably the guy and his wife.
(L) - Date when the guy payed for his bill last. Sometimes there is also a
number which represents the $ figure of his last month's bill.
(M) - THE 'CNNNCCCNNNCC' shows month by month if the guy was CURRENT OR
LATE WITH HIS PAYMENTS. All this means that if he was on time or one
day late. If you see DELQ 30 , or DELQ 60 there, that would mean he
hasnt payed for a month or more. And that will ruin a person's credit
All credit/charge cards follow the same pattern. The only difference in a
loan or morgage account is that you will see tens of thousands or hundreds of
thousands. Always keep in mind that a Visa or Mastercard MUST start with a 4
or a 5 respectively and have eather 13 or 16 digits depending on bank. If you
see 17 digits or 14 , even if it is labeld as CITIBANK and starts with a 4 or
a 5 , it is not a credit card but a checking account. If the account is cut
the 16 digit account will show only 12 digits and the 13 digit one will show
only 9.
The next part explains more about FILE VARIATION:
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 211111564,
YOB IS 1957,MID INIT IS L,SPOUSE INIT IS E
RICHARD L HITLAN SSN: 211-11-1564 EMPL: XENO ART INC
1120 FLAMER DR YOB: 1957 RPTD: 12-87
SATELLITEBEACH FL 32937 SPOUSE: E
RPTD: 2-90
Use the ZIP CODE that is printed here instead of the one you put because
this is the correct zip code. SPOUSE is of course his wive. SS is the Social
Security Number. YOB is Year Of Birth. EMPL is Employer and below is reported
date when he started working there.
Last are the:
INQUIRIES:
COMMUNITY EDUCATORS CU 4-09-91 1700194
BARNETT BK 4-07-91 1190644
BONIFACE CHRYSLER DODGE 4-05-91 1961260
MONOGRAM CR CD BK OF GA 9-05-90 1230374
Those are the Names of companies that recieved a copy of the report that was
listed before. As soon as I pulled this guy's report the subscriber name and
number I was using was added to this list. The company name and the subscriber
number should be saved and used later in trying to get more PASSWORDS.
POINT OF USING TRW FOR 'ILLEGAL' PURPOSES
-----------------------------------------
Well you could figure that one out yourself. The possibilities are infinite.
You could just do the dumb thing of taking all the credit card #'s and using
them for mail order like any old 14 year old kid next door who got them out of
a garbage dumbster . Instead you should use your head and think of bigger
things out there.
(HINT) $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
-------------------------------------------------------------------------------
FUTURE UPDATES TO THE FILE WILL BE MADE. PLEASE LEAVE ME MAIL ON EITHER
RIPCO - 312-528-5020 OR SOME OTHER CDC BOARDS
NIHILISM - XXX-XXX-XXXX
------------------------------------------------------------------------------
PLEASE SPREAD THIS FILE WISELY! USE THE KNOWLEDGE WISELY! DESTROY AND CONQUER
WISELY! ONLY THE SURVIVORS WILL BE LEFT AT THE END, AND THEY WILL BE WISE!
REMEMBER ONE FINAL THING. THERE ARE ONLY LAWS THAT YOU SET UP FOR YOURSELF.
DONT LET SOCIETY RULE YOUR LIFE!! MAY THE FUTURE MASTER PLAN WORK!
THERE IS ONLY ONE LAW IN THE UNIVERSE : THERE IS NO LAW! (C-1)
WRITTEN IN DECEMBER OF 1991 BY EVIL PRIEST WITH ASSISTANCE OF CITIZEN-ONE
(c)1987,88,89,90,91 IPS LTD.
Downloaded From P-80 International Information Systems 304-744-2253
-------------------------------------------------------------------------------
IPS:FOK-1
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
Directory:
Intro
History-IPS
TRW-MASTERFILE-92
Philosophy
Conclusion
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
TRW.MASTERFILE/IPS-92-FOK
(FO)rbidden (K)nowledge: F.O.K.
____ _________ _________
/ / / / / ______/
/ / / ---- / / /
/ / / ______/ / /_____
/ / / / /_____ /
/ / / / / /
/ / / / _____/ /
/___/ /__/ /_______/
INFINITE POSSIBILITIES SOCIETY
-=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>
IPS:A Fanatical Ruthless Organization of brilliant criminal minds dedicated
to World Conquest. We will die for our cause!!Conquer and Master the System!!
-=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>
Written By:CitiZen-0ne,Evil Priest,][aV0]<
Edited By:No one , we dont give a shit about grammar and spelling!Allwere
concerned with is that you understand what you read.....
-=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>
History-IPS
-=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>=- -=<*>
IPS was founded and created shortly before New Years Eve, 1986. Sometime in
late December 1986 , CitiZen-0ne had a dream 0r a vision!Strangely he fell
asleep while the music from an intro by the group 'The Survivors' was playing.
He dreamt about society and mankind as a whole, torwards the end of the dream
he saw what looked like some kind of supernova and in its midst was a symbol
(which only 4 people in the world know what it looks like today). The IPS
symbol represented a way of life, a way of life that was later developed over
four years through 4-8 hour daily conferences on 3 way with CitiZen-0ne,
Evil Priest and Metal Ripper!To Rise above, Beat, Master and then Conquer
society/System keeping your feet on the surface and your mind in the sky.The
weak mock what they dont understand!!Dont conform, be an individual,think Big
and never let society or the system control or hinder ur life!Transcend,Beat,
Master and Conquer the System/Society!(This may seem a little strange or you
may not understand what where getting at ,but then again lets see you try to
explain away of life that was developed over 4years through 4-8 hour daily
discussions and a compilation of 2000 years of various philosophical theory
from all cultures throughout the planet)!The Symbol of IPS is the foundation
that started us, but it is our minds that have created the One way of IPS...
FOK,PHAC we seek the unknown and the forbidden!We try to Enlighten the wise!!
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
MEMBERS 0f IPS
=--------------=
CitiZen-0ne PRESENTS
Evil Priest
Metal Ripper
][aV0]< TRW MASTER FILE - 1
APRIL 1992
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
Written: In The Year Of ONE THOUSAND NINE HUNDRED AND NINETY DEUCE
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
This file is the most complete and best file about TRW that has
ever been written in existance.In my oppinion TRW is the best credit reporting
service that ever existed. There is of course CBI / Equifax. I got all my
experience with TRW after working with their customer service for 2 months, so
this information is valid. The purpose of this file is to teach the user
ways one can get a TRW account and use it. The author in no way
responsible for the actions of the people who read this file. It is intended
for informational purposes only. Screw that. I hope you go hack and hack them
TRW's untill all of us become as rich as the BANKS. I fully support all of
this and hell yeh I am responsible.I hope you will use this knowledge to beat
the system.LET THERE BE NO NO KNOWLEDGE KEPT FROM MAN!Use every advantage you
ever get in life, we only get one life!The weak and the ones who conform
to society will never transcend, their minds are confined to the ground like
flightless chickens! Open you Minds and set your imagination free! Transcend
society like a hawk escapes the ground!!MASTER AND CONQUER THE SYSTEM/SOCIETY!
Just remember : FIGHT THE POWER - BECOME THE POWER
-=<*> IPS <*>=-
-----
TRW:Your Economic life story
-----
TRW is one of the most powerful utilities on This planet,TRW tells you
practically every bit of information you could possibly need to know about
a member in society...
Credit is Money... Money is Power...
TRW HISTORY
-----------
The letters TRW stand for Thompson Rampley and Woodright, or something like
that. The three founders of the company. TRW not only deals with credit but
has extensive dealings with many other points of industry. The Hubbles Space
Telescope was in fact partially sponcered by TRW. We are going to exclude the
history of trw only because you can find that out yourself without any
problems, we also feel that the information is irrelivant for the
transient-ones.
WHAT IS TRW
-----------
TRW is the largest databank of information that I know of regarding
people's credit.Aboutç200+ million people are stored in it from US and Canada
.The main facilities are located in california and there are TRW offices in
almost every state. Look in the Yellow Pages under 'Credit'. There is a modem
# in not only every state but usually in every county that is connected to the
main facilities in California.
What is the purpose of TRW
--------------------------
If you ever try to get a credit card, lease a car, get a loan, or get a
morgage then the Bank or the place that is the lender will do a credit check on
you. If you have ever been late with a payment that is recorded in TRW, if you
ever had a credit card stolen or lost, that will also be recorded there. When
let's say you are applying for a loan the lender will see that you have already
2 loans and that you have been late with payments he will deny you
credit and you will recieve a letter saying that you have been denyed credit
because of a negative report from Trw or CBI.
----------------------------------REAL USES------------------------------------
First thing that has to be done is you have to find out what your local TRW
modem # is. To do that simply call TRW and say that you are calling from Billy
Bob's Toyota and that you are new and the computer has been fucking up on you.
Ask for a local modem # in your area that you 'accidentaly' deleted from the
software you are using. 95% of the people will tell you to hold on and come
back with it. (If you live in NY,LA, or any other huge cities then you may run
into some trouble because of the amount of people trying to do scams there.)
NJ NODE PHONE # (908)/499-7310 300/1200 BAUD
FL NODE PHONE # (407)/632-7470 300 BAUD
Now you have a modem #. Call it and check. Make sure you are 1200 or 300
baud, (SOME NODES ARE 300 BAUD ONLY). Duplex at Half, Parity Even , 7 Bytes.
As soon as you see CONNECT, hit [CTRL] A. At this moment the system should
say something like:
-101-circuit building in progress
then it will clear the screen and give you a beep.
Ok before I go in more on how to operate within the system and pull credit
reports you must get a TRW SUBSCRIBER NUMBER W/PASSWORD.
TRW PASSWORD
-------------
The subscriber number is always seven numbers long followed immediately by a
three letters or three numbers , or usually a mixture of both. Those last
three simbols are the PASSWORD. Dont bother hacking it with the old trial
and error . That will take for ever and TRW SECURITY is a large part of the
firm. What you have to do is get a copy of Yellow Pages and start calling
places that would have a TRW password. I had the most luck with AUTOMOBILE
dealers. You could try though any place that would need to check your credit
history. Banks, Credit Unions, Rental Places, Loan Places, etc... and many
others. Use your immagination. DONT BE SHY AND DONT BE AFRAID TO FAIL. Even
masters fail . It takes me about 3-10 tries before getting a password but
back a while ago i had to go through a couple of phonebooks before succeding.
A good story to use is that you are calling from TRW and that you have had
some trouble with the system and want to verify your subscriber #. (First
of course ask the answering person to connect you to the credit department).
If they give you the subscriber # , DO NOT outright say ' Give me the pw now'
. Say something like - ' Yeh there should be 3 letters or numbers at the end'
it is very important , and would help me out greatly. Sometimes they will give
you 4 #'s or 2 #'s. This is wrong. They are looking at something different.
Experiment with new lines. Get practice and keep a loop or two handy incase
they want to call you back.
USING THE SYSTEM
----------------
You are logged on.
The screen is cleared.
You have a PW.
GET A PHONE BOOK (WHITE PAGES) of a nice rich town. Dont bother with
beverly hills, me and my friends combed that book with a fine comb. Find a
town in your state known for its large % of doctors and lawyers.
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=Preambles=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
There are a lot of differnt preambles you can use. A few good ones to use are:
TNJ1, BFL2 and others.
Enter the geographic regional database code (Base). Here are some examples.
If you have a semi-complete or complete list. PLEASE post it!
TCA1 - Some of California
TCA2 - More of California (southern?)
TNJ1 - New Jersey
TNY1 - New York
TGA1 - Georgia
TMI1 - Michigan
This is to tell it what geographical area the customer is in, it really
doesnt matter which you use, because trw will automatically switch when it
finds the record..
We'll use BFL2 for our example:
=-=-=-=-=-=-=-=-=-=-=-=--=-=-=-=TC-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
We explained The Preamble or Base now were going to explain the **TC**
Then the transaction code (TC) types go as follows.
RTS - Most Common *** We will use this in our Examples ***
OPX
RTX
(NOTE: TRW will accept an A, C, or S as the 'X' in the transaction code)
-=-=-=-=-=-=-=-=-=-=-=-=-=-Format for Extracting-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
this is what you type:
(THIS SUBSCRIBER # AND PASSWORD ARE FICTIONAL)
BFL2 RTS 2359690RH2 smith john ...,123 h 07078 [HIT CTRL-S]
Lets break this line down a little:
BFL2 = PREAMBLE
RTS = R.T. are the initials , supposedly yours.Transaction code
2359690RH2 - is the Subscriber # with a Password
Smith - someone's last name
John - someone's first name
..., - Ok, now if the man has a middle name simply put the FIRST letter
of the middle name instead of the first dot (ex. smith john r..,)
The second dot is his wife's first letter of first name. The
third dot is eather J for Junior, S for Senior , 2 for Second,
or 3 for third (like John Smith III).
IF YOU DONT KNOW ANY OF THE THREE SIMPLY you can put a comma
right after john. (ex. Smith John,123 h 07078)
Examples:
Name: (Bill Thomas Rett III) on 123 Apple Street zip:07078
Type on TRW: Rett Bill T.3,123 A 07078
Name: (George Williams Junior / Wife: Ellen) on 123 Apple St
Type on TRW: Williams George .EJ,123 a 07078
Name: (Alfred Phillips) on 123 Apple St. zip:07078
Type on TRW: Phillips Alfred,123 a 07078
It is really not necissary to do this but the more information
you give to the system the more accounts it will usually show.
123 h 07078 - 123 is the house #, H is the first letter of street and 07078
is the zip code.
Ok now if he lives in an apartment that doesnt matter.
If his street is WEST HARRISON AVE use the H and not the W.
Never use the compass directions for the first letter of
street. If he lives on Third Ave, Use the # 3 and not letter T
for THREE.
ex: 231 Twenty Fourth Ave Apt.12 use: ,231 2 07078
If he uses a P.O. Box as an address use the following ex:
address: John Smith , P.O. Box 231 , Zipcode 12122
In TRW : Simth John,231 # 12122
I usually dont bother to type differnt Zip Codes for same town.
For example if you are pulling the Melbourne FL phone book,
just use the MELBOURNE ZIP CODE, There are a total of maybe
25 different zipcodes included in the phone book but TRW does
cross referencing. So if The guy lives in Satellite Beach
(zip 32927) and you use Melbourne zip (32901), he will still
be most likely pulled up. Use Macros when pulling it will save
you tonns of time.
TRW ERROR CODES
---------------
MAKE sure your buffer is always open because things flash on your screen at
huge speed and then the screen clears, so you will have no idea what error
occured.
There are tons of error messages. Most of them tell you that you are not
entering the information in the way that is recognized by the system. Check
what you are writing against this file and try again. Later I will include
samples of actual reports.
If you get a message saying something like :invalid password, call your
representative then I guess its time to find a new subscriber # and passoword.
If on the other hand the system says INVALID SUBSCRIBER NUMBER, you are simply
using a wrong PREAMBLE. Find the correct preable for the area where the PW
originated from and you will be fine.
If you try to access a person not in the record you will get :
PAGE 1 DATE 10-05-91 TIME 8:43:30 PCD05 V602 BFL2
*********** NO RECORD FOUND ***********
END -- CREDIT DATA SERVICES
or something like that..
--------------------------UNDERSTANDING THE REPORT-----------------------------
I will include a sample report with key info changed and will discuss it.
here is what a credit report looks like things with () around them are my notes
:
BFL2 rts 1111111xx1 smith richard,1201 f 32901 (CTRL-S)
(SCREEN CLEARS)
PAGE 1 DATE 10-05-91 TIME 8:45:54 PCD05 V202 BFL2
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 221242106,
MID INIT IS L
RICHARD L SMITH SSN: 221-24-2106 (SOCIAL SEC #)
1201 FIRMGO DR
SATELLITE BCH FL 32937
RPTD: 6-89 (* = NOT DEFINITE SUM OR FIGURE)
PROFILE SUMMARY:
PUBLIC RECORDS-------0 PAST DUE AMT--------$0 INQUIRIES----4 SATIS ACCTS--10
INSTALL BAL----$10,128 SCH/EST PAY-------$293* INQS/6 MON---3 NOWDEL/RG---1
R ESTATE BAL---$53,374 R ESTATE PAY------$480 TRADELINES--11 WAS DEL/DRG---0
REVOLVNG BAL------$983 REVOLVNG AVAIL-----90%* PAID ACCTS---0 OLD TRADE--5-87
SUBSCRIBER DATE OPN AMT/TYPE ACCT STATUS
ACCOUNT # BAL DATE BALANCE STATUS DATE PYMT HISTORY
SUBSCR # TYPE TERMS ECOA LAST PAY MONTH PAY $PASTDUE IN PRIOR MOS
JC PENNEY (CHG=charge card) 5-87 $100 H CURR ACCT
213459494220 8-31-91 $0 7-89 NNNNNNNNNNNN
1300097 CHG REV 1 6-89 NNNNNNNNNNNN
BURDINES 10-89 UNK CURR ACCT
55422522 9-07-91 $0 9-91 NNNNNNNNNNNN
1392176 CHG REV 1 NNNNNN
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
8635680809888 12-31-87 $2,140 12-87
1970242 UNK UNK 1
COUNTRYWIDE FUND CORP 1988 $54,000 O CURR ACCT
4533296571 8-31-91 $53,374 1991 CCCCC-CCCCCC
3991532 R/F 30 0 8-91 $480 CC-CCCCC-CCC
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 221242106,
YOB IS 1957,MID INIT IS L,SPOUSE INIT IS E
RICHARD L SMITH SSN: 221-24-2106 EMPL: XENO ART INC
1201 FIRMGO DR YOB: 1957 RPTD: 12-87
SATELLITEBEACH FL 32937 SPOUSE: E
RPTD: 2-90
C & S NATIONAL BANK 4-91 $8,600 O CURR ACCT
520025t4442561001 8-31-91 $7,988 8-91 CCCC
1190205 AUT 42 2 8-91 $262
(AUT^ is AUTOMOBILE LOAN)
+++++ MORE
RTS 1111111 SMITH RICHARD,1201 F 32922
PAGE 2 DATE 10-05-91 TIME 8:45:54 PCD05 V202 BFL2
MANUF HANOVER TRUST CO 2-91 $5,000 L CURR ACCT
4262770653297360 (CRED CARD) 7-31-91 $912 7-91 CCCC
1290387 CRC REV 2 7-91 $16
CITICORP/CHOICE 12-89 $1,500 L CURR ACCT
5423796011034559 9-01-91 $0 3-90 NNNNNNNNNNNN
1439507 CRC REV 1 NNNNNNN
CITICORP/CHOICE 3-91 $3,000 L CURR ACCT
5423796034550403 9-01-91 $0 5-91 NNNN
1439507 CRC REV 0
MBGA/HMDEPOT 9-90 -$100 H CURR ACCT
990708123003010 6-15-91 $28 6-91 NNNNNNNNN
1672219 CHG REV 1 $15
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
8635600805456 12-31-87 $2,140 12-87
1970242 UNK UNK 1
DILLARDS/IVEYS 2-88 -$100 H CURR ACCT
3041086544288 8-29-91 $0 8-91 NNNNNNNNNNNN
2349440 CHG REV 2 ---NNNNNCNNN
DISCOVER CARD SERVIC 10-88 $700 L CURR ACCT
601145446551 9-13-91 $43 9-91 CNNNCCCNNNCC
3276502 CRC REV 2 8-91 NNCCCCCCCCCC
INQUIRIES:
COMMUNITY EDUCATORS CU 4-09-91 1700194
BARNETT BK 4-07-91 1190644
BONIFACE CHRYSLER DODGE 4-05-91 1961260
MONOGRAM CR CD BK OF GA 9-05-90 1230374
END -- CREDIT DATA SERVICES
When the file says -----*ATTN* FILE VARIATION. it simply adds all the info
that is in the computer to the info you gave and give you the complete report
Next is Profile Summary is hard to understand and for those of you that
plan just to rape the cards or attempt to get plastic there is no need to know
it. For others I will briefely go into it:
PUBLIC RECORDS --- # of records that involve court cases (usually 0).
INSTALL BAL --- AMOUNT $$ still owed to cred card companies
R ESTATE BAL --- BALANCE OWNED ON REAL ESTATE GUY HAS
REVOLVNG BAL --- MONTHLY BALANCE THAT HAS TO BE PAYED THAT MONTH
PAST DUE AMT --- AMOUNT FROM PREVIOUS MONTHS STILL DUE
SCH/EST PAY --- NOT TOO SURE , SOMETHING WITH ESTIMATED PAY
R ESTATE PAY --- WHAT HE PAYS A MONTH FOR HIS REALESTATE
REVOLVING AVAIL--- THIS SAIS THE % of money that is available to be spend
if it is at 100% then he never usues his cards. If it is
like 20% then he has huge balances due.
INQUIRIES --- # OF OTHER COMPANIES THAT LOOKED AT THE PERSON'S REPORT
INQS/6 MON --- # OF OTHER COMPANIES THAT LOOKED AT REPORT IN LAST 6 MONTHS
TRADELINES --- NOT SURE
PAID ACCTS --- # OF ACCOUNTS THAT ARE FULLY PAID UP/CANT BE CRED CARDS
THIS APPLIES TO LOANS/MORGAGES.
STATIS ACCTS --- # OF ACCOUNTS THAT THE PERSON HAS LISTED.
NOW DEL/DRG --- # OF ACCOUNTS THAT ARE DELINQUENT NOW.(VERY BAD FOR CREDIT)
WAS DEL/DRG --- # OF ACCOUNTS THAT WERE DELINQUENT IN THE PAST.
OLD TRADE --- DATE. UNKNOWN
I will take one account and try to explain all of the things . Usually every
account follows the same pattern. Most of the account numbers are not complete
and only a few credit cards actually list the whole card numbe. Those cards
are: Manufacturers Hanover, First USA, Sun Bank, Mellon Bank, First Virginia,
Chase. The banks that dont list last 4 digits are : Citibank, Universal Bank,
Discover Card. There are hundreds more on each list but these are the most
common. Remember, an account is only a credit card if you see CRC under TYPE.
If you see CHG or C/C it is a Charge Card (ex. Sears, JC Penny, Sax). A (*)
next to any account signifies that the information is not exact.
(example):
* ASSOC CR & COLL BUR 5-87 $2,200 COLL ACCT
8635600809888 12-31-87 $2,140 12-87
1970242 UNK UNK 1
UNK = UNKNOWN
----I will take apart now one credit card block to show you what all of the
things really mean:
(EXAMPLE):
DISCOVER CARD SERVIC 10-88 $700 L CURR ACCT
601100486551 9-13-91 $43 9-91 CNNNCCCNNNCC
3276502 CRC REV 2 8-91 NNCCCCCCCCCC
----------------------------BREAKDOWN OF BLOCK--------------------------------
(A) DISCOVER CARD SERVIC (B) 10-88 (C) $700 L CURR ACCT
(D) 601100486551 (E) 9-13-91 (F) $43 (G) 9-91 CNNNCCCNNNCC
(H) 3276502 (I) CRC (J) REV (K) 2 (L) 8-91 NNCCCCCCCCCC
(A) - Name of the company who reported this information to TRW and to whom
this account belongs. In this instance this account belongs to Discover
Card. Each month they send an update to TRW of all their members.
(B) - The date the person opened this account. In this instance it was opened
on October of 1988.
(C) - This is the Total Credit Line/Limit of the Account. The person has 700$
total Credit Line.
(D) - This is the account #. Discover Card doesn't show whole accounts unless
you use a special PW which i think could only be used localy (inside
TRW building).
(E) - Last date Discover card (in this instance) send updates to TRW about
the account.
(F) - Balance owed on the account total. If you subtract (F) from (C) you
will get the available credit to spend , which in this case is 657$.
(G) - Month and Date that this report was pulled up by you.(me in this case)
(H) - The subscriber number of Discover Card in this case. All you need is
the PASSWORD and you could use their TRW account.
(I) - In this case it is CRC which is a Credit card, It could be one of 20
or more different 3 letter things. I will list a few common ones :
CHG= CHARGE CARD, CRC= CREDIT CARD , AUT= AUTOMOBILE LOAN,
UNK= UNKNOWN , R/F= HOME MORTGAGE , C/C= SMALL CHARGE ACCOUNT
THERE ARE MANY OTHERS BUT THESE ARE THE ONES WHICH HAVE REAL
RELEVANCE.
(J) - REV usually stands that the account is still open.
(K) - Number of people that are using this account. In this case there are
two people so it is probably the guy and his wife.
(L) - Date when the guy payed for his bill last. Sometimes there is also a
number which represents the $ figure of his last month's bill.
(M) - THE 'CNNNCCCNNNCC' shows month by month if the guy was CURRENT OR
LATE WITH HIS PAYMENTS. All this means that if he was on time or one
day late. If you see DELQ 30 , or DELQ 60 there, that would mean he
hasnt payed for a month or more. And that will ruin a person's credit
All credit/charge cards follow the same pattern. The only difference in a
loan or morgage account is that you will see tens of thousands or hundreds of
thousands. Always keep in mind that a Visa or Mastercard MUST start with a 4
or a 5 respectively and have eather 13 or 16 digits depending on bank. If you
see 17 digits or 14 , even if it is labeld as CITIBANK and starts with a 4 or
a 5 , it is not a credit card but a checking account. If the account is cut
the 16 digit account will show only 12 digits and the 13 digit one will show
only 9.
The next part explains more about FILE VARIATION:
------*ATTN* FILE VARIATION: ZIP IS 32937/OTHER FILE IDENT: SS# IS 211111564,
YOB IS 1957,MID INIT IS L,SPOUSE INIT IS E
RICHARD L HITLAN SSN: 211-11-1564 EMPL: XENO ART INC
1120 FLAMER DR YOB: 1957 RPTD: 12-87
SATELLITEBEACH FL 32937 SPOUSE: E
RPTD: 2-90
Use the ZIP CODE that is printed here instead of the one you put because
this is the correct zip code. SPOUSE is of course his wive. SS is the Social
Security Number. YOB is Year Of Birth. EMPL is Employer and below is reported
date when he started working there.
Last are the:
INQUIRIES:
COMMUNITY EDUCATORS CU 4-09-91 1700194
BARNETT BK 4-07-91 1190644
BONIFACE CHRYSLER DODGE 4-05-91 1961260
MONOGRAM CR CD BK OF GA 9-05-90 1230374
Those are the Names of companies that recieved a copy of the report that was
listed before. As soon as I pulled this guy's report the subscriber name and
number I was using was added to this list. The company name and the subscriber
number should be saved and used later in trying to get more PASSWORDS.
-=-=-=-=-=-=-=-=-=-=-=-Explanation of Account #'s=-=-=-=-=-=-=-=-=-=-=-=-=-=-
TRW uses standardized ordering for its account numbers. Below is a list
of the common account prefixes and what they mean.
First Digit SECOND DIGIT
1.....TRW Eastern Region 0.....Public Record
2.....TRW Midwestern Region 1.....Bank
3.....TRW Western Region 2.....Bank credit card
4.....Inquiries from Broker's customers 3.....Retail
6.....Other credit reporting agencies 4.....Credit Card
with eastern region and comm- 5.....Loan Finance
ercial credit subscribers 6.....Sales Finance
7.....Other credit agencies within 7.....Credit Union
western region. 8.....Savings & Loans
8....." Same as above " 9.....Service & Profess
Example [3]234567 Example 3[2]34567
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=--=
Final Run-Down
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
TCA1 RTS 1234567OS5 SMITH JOHN S...,3123 H 37923<Ctrl S><return>
That is the one line version. Here is a rundown of that transaction
TCA1 = Regional Database Preamble
RTS = Transaction Code
1234567 = TRW Account
OS5 = Password
Smith John = Last/First name
H = Middle Initial
3123 = Street Number
H = First letter of street name
37923 = Zip code.
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
Terminology that may be useful
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
I hope you find the following information informative and useful
Below is a list of TRW business terminology. You will find these inside
account folders you pull. These will of be of use to you in figuring out
what exactly the hell you are reading!Some are uncommon
Term Explanation of Term
---- -------------------
Legal Legal Involvement
Collect Collection Account
Writ-Off Account Written Off
NSF Not Sufficient Funds
Lease Default Lease Default
Liens Liens
Repo Repossessed
RFC Refused Further Credit
Not Pay AA Not Paying as Agreed
Cia-Our-Req Cash in Advance-Our Request
Was Pastdue Account was Past Due
Was Problem Problems In the Past
CIA Cash in Advance
Adj.Bureau Adjustment Bureau
COD Cash on Delivery
COD Cusreq COD Customer Request
New Owner Recent Ownership Change
Hldg-Ord Holding Orders
Secured Secured Account
Discount Discount
Improving Improving
Unr-Disc Unearned Discount Taken
X-Deduct Unauthorized Deductions
Ref Fin Chg Refused Finance Charge
Satsftry Satisfactory Account
Bond Satis Bonding Satisfactory
Prompt Pays Promptly
Exlent Acct Excellent Account
1st Sale First Sale
21 Dys Late 21 Days Late
14 Dys Late 14 Days Late
7 Dys Late 7 Days Late
Exc Disc Excessive Discount Taken
Dispute Dispute Invoice
Prod Complt Product Complaint
Consol Note Consolidation Note
Ltd.Exp Limited Experience
Note Pays By Note
Floor Plan Floor Plan Account
Trd-Acpt Pays by Trade Acceptance
Ern Disc Earned Discount Taken
Job Complet Job Completed
Unfl-Ord Unfilled Orders
Installment Installment Account
New Account New Account
Consignment Sell on Consignment
Retention Retention
Multi Locate Multiple Locations Comments not Available
ADS XXX Average Days Slow
Sold XXX Yrs Number of Years Sold
DDWA XXX Dollar-Days Weighted Average
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
Uncommon or Unheard of Payment terms that you may see and dont understand
Payment Terms
------- -----
Term(Abrv.) Explanation of Term
---- -------------------
Net X Net Due in X Days
Net Eom Net amount due by the end of the month
Net Prx Net amount due on the 1st of the following month
N10 Prxo Net due within 10 days of the first of the following month
N10 Eom Net due within 10 days of the end of the month
X/10 N15 X Percentage discount if paid in 10 days or total amount
due in 15 days
X/15 N30 X percentage discount if paid in 15 days or total amount
due in 30 days
X/30 N45 X percentage discount if paid in 30 days or total amount
due in 45 days
X/10 Eom X percentage discount if paid in 10 days or total amount
due at the end of the month
X/15 Eom X percentage discount if paid in 15 days or total amount
due at the end of the month
X/10 Prx X percentage discount if paid in 10 days, otherwise due on
the first of the following month
X/15 Prx X percentage discount if paid in 15 days, otherwise due on
the first of the following month
X/Eom X percentage discount if paid by end of month
X/Prox X percentage discount if paid by the first of the following
month
Cs Dis Discount in return for payment before final due date.
Tr Dis Reduction of the selling price and is always available to the
customer regardless of the lateness of the payment
Special Special terms offered by seller
Contrct As stated in contract
Varied Offers several different terms
Roi Remit on receipt of invoice
D/S Draft Payable at sight
D/O Draft with order
COD Cash on Delivery
COD-Req COD at seller's request
CIA Cash in advance
CIA-Req CIA at seller's request
CWO Cash with order
NET Balance Due
Multi Customer has more than one way of paying
Note Written promise to pay at a specific time
Cash Cash only
---------------------------***Rundown of Abrv.***------------------------------
TRW uses standardized codes and abreviations for type aaf account inside
of the report. Below is a list of the most common ones found.
Type Abbrec Explanation
-==- -====- -=========-
00 AUT Auto
01 UNS Unsecured
02 SEC Secured
03 P/S Partially secured
04 H/I Home improvement
05 FHA FHA home improvement
06 ISC Installment sales contract
07 CHG Charge account
08 RVE Real estate specific type unknown
terms are in years
09 SCO Secured by co-signer
10 BUS Business
11 REC Recreational merchandise
12 EDU Educational
13 LEA Lease
14 COM Co-Maker
15 C/C Credit check or line of credit
16 F/C FHA Co-Maker
17 M/H Mobile home
18 CRC Credit Card
------------
Some of the information in this phile you may never come across, but its
always useful to have if you do ever come across it and dont understand it.
------------
POINT OF USING TRW FOR 'ILLEGAL' PURPOSES
------------------------------------------
Well you could figure that one out yourself. The possibilities are infinite.
You can destroy anyones life perminently through TRW or just exploit it!
99.999% of the population is not aware of how extremely powerful TRW is!!
You could just do the dumb thing of taking all the credit card #'s and using
them for mail order like any old 14 year old kid next door who got them out of
a garbage dumbster . Instead you should use your head and think of bigger
things out there.TRW = Access to 290Million peoples lives!You can take over a
persons identity or destroy it perminently or you could harness the millions
and millions of dollars just waiting to be extracted!!!THINK BIG, there is
potentialy unlimited power through TRW!! I KNOW FROM EXPERIENCE(c1)
$$$$$$$$$$$$$$$$$IP$$$$$$$$$$$$$$$$$$
We're not hinting you to do anything! The Possibilities are Infinite!!!!!!!!
-------------------------------------------------------------------------------
FUTURE UPDATES TO THE FILE WILL BE MADE. PLEASE LEAVE ME MAIL ON EITHER
RIPCO - 312-528-5020 OR SOME OTHER CDC BOARDS
PYR0'S - 407-254=3655 Fantasia(rarely) - 407-777-7580
-------------------------------------------------------------------------------
A POINT OF PHILOSOPHY
-------------------------------------------------------------------------------
C1
YOU MAY NOT RELIZE IT, BUT AFTER READING THIS FILE YOU HAVE A VERY POWERFUL
ADVANTAGE OVER THE REST OF SYSTEM/SOCIETY! ONLY THOSE WHO ARE STUPID GO DOWN!!!
PLEASE SPREAD THIS FILE WISELY! USE THE KNOWLEDGE WISELY! DESTROY AND CONQUER
WISELY! ONLY THE SURVIVORS WILL BE LEFT AT THE END, THE TRUELY WISE ONES!
REMEMBER ONE FINAL THING. THERE ARE ONLY LAWS THAT YOU SET UP FOR YOURSELF.
DONT LET SOCIETY RULE YOUR LIFE!! MAY THE FUTURE MASTER PLAN WORK!LET NO MAN OR
LAW CONFINE YOU OR YOUR THOUGHT!ALL LAWS CAN BE BEATEN , ALL LAWS HAVE
EXCEPTIONS !!WE DONT DONT BELEIVE IN LAW, EXCEPT THE LAWS YOU CREATE FOR
YOURSELF!THE WEAK MINDED WILL ALWAYS CONFORM!IF YOU USE COMMON SENSE AND WISDOM
YOU WILL NEVER GO DOWN!!ENJOY LIFE TO ITS FULLEST,RAISEHELL,LEAVE YOUR MARK AND
NEVER LET ANYONE EVER LIMIT YOUR PATH!I BELEIVE IN CHAOS!THERE IS CHAOS IN
ORDER AND THERE IS ORDER IN CHAOS! WHY CONFORM LIKE MOST SOCIETY IN ANY FORM?
TRANSCEND AND TRUELY BE FREE! WE ARE THE RULERS OF THE FUTURE!!A SUPREME MIND
HAS SUPREME THOUGH!!!!!!!FUCK THE REST!!!!!TECHNOCRIME IS FOR THE ELITE ONLY!!!
HACKERS OF THE WORLD, UNITE!!!!!!! (C-1)
WRITTEN IN APRIL OF 1992 BY CitiZen-0ne and Evil Priest
(c)1987,88,89,90,91,92 IPS LTD.
Please contact us on any of the Forbidden Knowledge BBS's!(FOK!) or (P)hreaking
(H)acking,(A)narchy and (C)racking. PHAC (pronounced FOCK or FUCK)
YOU ARE FREE TO USE ANYTHING IN THIS PHILE, all we ask is that you give IPS
credit where its do!Credit Goes to C-1,EP,IPS,Renegade Legion for all the info
here.
----------------------------Conclusion-----------------------------------------
IF YOU LIMIT YOURSELF OR LET OTHERS LIMIT YOU THEN YOU DONT BELEIVE IN
YOURSELF OR THE WAYS OF IPS!!IF THIS IS THE CASE THEN YOU CAN GO FUCK OFF!
Keep your feet on the ground and your mind in the Sky....
-------------------------------------------------------------------------------
][aV0]<'s last word
Remember
ont let outsiders come into our realm! The Modemworld or TechnoRealmis not called CyberSpace and its not for geeks who have very little clue but
can read files!! Who the fuck came up with this shit calling hackers cyberpunks
not all hackers are glory geek!? Hacking,Phreaking,Anarchy etc.. all fall under
one title... Forbidden Knowledge!!! FOK ...(FO)rbidden (K)nowledge... Dont let
the govt. or any other organization confine your mind !!Let there be no
knowledge kept from man!! Transcend above society, Be an individual , Be your
self and be creative! The Weak Conform and mock what they dont understand!
Help IPS:FOK improve or expand this file information and clairity wise....(We
arent concerned with spelling or grammer as long as you can understand it, save
all that bullshit for society)!!Create your own standards ,your own life and
your own way.Dont let outsiders who dont belong into our realm, they misinform
and give the world the wrong perspective! If this continues the laws will limit
us even further, but then again who said we are bound by laws!THINK BIG,BELEIVE
IN YOURSELF and Conquer and Master the SYSTEM!!!FUCK THE REST!!!!!!
4-19-92 IPS:FOK
*** END ***
