This site does not support carding, hacking or any Fraudulent activities. This article is for educational purposes only. It aims to point out how hackers and carders often go undetected and steal your personal information so as to open financial accounts in your name. Although the fraudulent steps discussed may work in real life, Security Cavern warns you against any fraudulent behavior as it is against the law.
Pulling Out a Credit Report of the Fullz
This is a continuation, if you have not seen earlier articles, I would advice you to refer to this Table of Contents.
Now that over the last few days you collected all the Fullz data including SSN and DL, you should be ready to pull a credit report on the Fullz. This is actually a really easy process and you will get the hang of in NO TIME!
You will need an email address ready to use for this since both sites will send you a verification link before you can take the verification quiz. Currently you can use a temporary email from tempail or buy gmail accounts with google voice for $3 each. You can ask me how and where to buy them in a private messages only after you like my fb page or subscribe to either my Reddit or YouTube.
Make sure you are using a clean US IP address when you are attempting to pull these reports. Once you get going you will probably have multiple RDPs you are using so just log on with one of those to pull the reports. You can pull several reports from a single IP address before too.
Where to Pull Out the Report
Go to MYBANKRATE or QUIZZLE. These two are the easiest to pull a credit report from. Now go to Get Started and fill out all the required information. You can put in a bogus phone number or your google voice number. You can also put anything you want about whether you rent or own a house, income, etc. What matters is passing the verification test.
Now you will click submit and verify your email address. Once this is done, you will be taken to a page that asks for the last four digits of the Fullz SSN. Enter the digits and click NEXT. Sometimes it will say you already have an account there, it is super annoying and frustrating, but hey just move along and try somewhere else. Creditkarma and annualcreditreport are a bit more difficult to pull credit reports from, but it is worth a shot after having done all this work up until now.
Expected Verification Questions
With MyBankrate or Quizzle, you will get 3, sometime 4, questions to answer about your Fullz and you will have 5 minutes to do so. Most of the time these are really easy to answer, especially since you developed the fullz nicely prior to pulling the credit report.
Most likely questions in credit report verification test
- What state was your SSN issued?
- How much is your student loan? You can pick none of the above and do fine.
- What year was your auto loan established? This is why we go to Progressive (refer to the previous article) so you have a better chance of the right answer. For example if you see they own a 2013 Ford Mustang, you have a pretty good idea that their auto loan was established in 2013.
- What is your past or recent employment? This is why we pulled beenverified or intellius report.
- What year was your most recent home mortgage? Just pick none if you don’t have any clue.
- How much is the monthly payment on your auto loan/mortgage? Again none of the above as an answer works fine.
- Which past address are you associated with? Easy to check on your beenverified or intellius report.
You seriously only have to get ONE question right to pass the test. And if you fuck it up sometimes they give you more questions to answer to help you save your ass!
Alternative to MyBankrate
If you really mess up on MyBankrate, just go try at QUIZZLE. Most of the time the questions will be the same.
Now that you have pulled the credit report you can see how many opened, closed and negative accounts your Fullz has. These accounts can be mortgages, auto loans, student loans, credit card, home equity loan, etc. It will also show you an address history, credit score, list of employers/professions.
BE SURE to go to the personal data tab and make sure that you don’t see any fraud alerts on their report. If you see a fraud alert, just trash the Fullz and develop a new one. I know it sucks to do all that work and have to trash it, but if
you want to be successful you need to put in the work.
Here is a screenshot of where that info can be found:
On MyBankrate and Quizzle, you will see a tab with a drop down arrow that says TransUnion. Click on that tab and you will see an option to print a PDF of the full credit report. Always print the PDF and save it in your Fullz file.
If you developed CC fullz you can check the BIN (first 6 digits of CC) of your fullz CC and search for that same BIN on your fullz open credit accounts. Once you find the BIN, you can now see the current balance and available balance on that account. Super nifty way to check the CC balance.
You can Google ‘Discovery FICO score’ and go easily pull your fullz FICO score using the credit report to answer verification questions. Sometimes it is just interesting to learn all these things about your fullz. Knowing this can also be a selling point when vending fullz or accounts made with high FICO score fullz.