Mutt
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Previously, I had posts where I shared my thoughts on working with floods, without analyzing the registration stage of the offices. It's time to focus on those moments that you criminally miss when filling in the data of the next fullz (Full Info) in the bank registration window, often without even realizing what the reason is when you are rejected here.
Over the years of my work on floods, I naturally found a number of patterns that lead to the fact that the antifraud decides not to approve the opening of an account and in this article I will share them with you.
I want you to understand that the observations below are a general trend, in some offices it will work to comply with only a few points, and in some you will need everything at once for registration, but this does not mean that you need to rely on luck and register at random - consistency is important, luck plays a much smaller role here than you can imagine, but tests are our everything.
By testing the office, that is, registering it on a regular basis, you inevitably come to an understanding of what your office is looking at and give it exactly what it wants. This is called an approach to registration, in this case you have found a successful approach that will most likely work for a long time, all other things being equal.
Let's get started.
To sum it up: the more complex the office is, the more preliminary actions it requires from you to open an account. As always, some will open with a kick, and some are registered only by email/number/holder fingerprint and there is no getting around it. Now most offices are something in the middle, but it is clear that if you register some Stripe, then without adding the number to the credit report, you will not go far.
Over the years of my work on floods, I naturally found a number of patterns that lead to the fact that the antifraud decides not to approve the opening of an account and in this article I will share them with you.
I want you to understand that the observations below are a general trend, in some offices it will work to comply with only a few points, and in some you will need everything at once for registration, but this does not mean that you need to rely on luck and register at random - consistency is important, luck plays a much smaller role here than you can imagine, but tests are our everything.
By testing the office, that is, registering it on a regular basis, you inevitably come to an understanding of what your office is looking at and give it exactly what it wants. This is called an approach to registration, in this case you have found a successful approach that will most likely work for a long time, all other things being equal.
Let's get started.
- The first and one of the most significant red flags for antifraud is the use of VOIP / Google Voice numbers during registration. They stopped giving VOIPs about 2 years ago. Companies can clearly see when you use a virtual number, and when a mobile number, that's all. You can even freely check phonevalidator.com numbers yourself, not to mention AF. Virtual numbers can work in 5% of companies at most (and their number is decreasing every year).
- The second concerns the number and email, this is their bad reputation. It happens that the number you are self-registering has already been used for another company where fraudulent activities took place, so the antifraud has already added this number to the database of suspicious ones. The same applies to email. According to observations, in order to dirty a number like this, it is enough to register something on it just once and catch sanctions from AF - my congratulations, from now on the number is in the database and it is better not to register anything serious on it for floods. Make it a rule to always check the number in checkers like ipqualityscore.com before work, because who knows what was done to it before. Small life hacks for you: 1. with successful registrations of financial companies, the trust of the number, on the contrary, increases 2. The trust of the email increases if social networks are registered on it and it is easy, and not created a couple of days ago. I personally buy HQ mail for work, I don’t register it myself.
- Any discrepancies between the fullz data and the actual data of the holder, which antifraud can now easily and casually check and go wild in case of discrepancy. For example: the phone number does not match the holder's state with an area code of another state, the phone number in the fullz does not match the holder's phone number from CR (credit report) and BG (background report), by the way, the number in CR/BG can be replaced with your own through the bureau, this option is also available. And, of course, a crooked fullz for the holder, when the data in it is not all correct.
- I will highlight the replacement of data in BG/CR with your own in a hotel point. Financial offices/banks are able to check their clients by credit bureau and the more screwed up the bank, the more strongly it checks data with various bureaus during registration. And when we deal with a very screwed up bank, sometimes it simply does not allow itself to be registered on a random number, demanding to accept SMS specifically to the holder's number - here without adding your number to CR there is nothing to do. After adding, by the way, you need to rest, because a newly added one will arouse suspicion.
To sum it up: the more complex the office is, the more preliminary actions it requires from you to open an account. As always, some will open with a kick, and some are registered only by email/number/holder fingerprint and there is no getting around it. Now most offices are something in the middle, but it is clear that if you register some Stripe, then without adding the number to the credit report, you will not go far.
