public listing use 2SSN AND DOB POST FORWARDING ADDRESS ERYONE PLEASE DO THE FOLLOWING
CPN TRI MERGE INSTRUCTIONS FOR A NEW CREDIT FILE USE NEW PHONE NUMBER AND ADDRESS YOU NEVER HAVE USED BEFORE. PLEASE READ INSTRUCTIONS CAREFULLY
if you are going to use a CNP follow and a warning, this is sent legal.
Get an post forwarding address You will see some links assistance shipito create at this use put in a change of address at your local post office or USPS.com ASAP)
Online Change of Address where you 2SSH get a home address, where to get listed as a real person moving to new place
0
- mai 2019
Skrevet av KIMTERJE83
Go to USPS.com/move to change your address online. This is the fastest and easiest way, and you immediately get an email confirming the change. There is a $1 charge to change your address online. You will need a credit or debit card and a valid email address.
official USPS change of address: https://moversguide.usps.com/411 LISTINGS
USPS.com/move ( Be sure to use only your 2SSN profile information)
LIST YOURSELF: http://www.listyourself.net/
SUPERPAGES: http://wp.superpages.com/addnewlisting.php
ZABA SEARCH: http://www.zabasearch.com/
EVERYONE to do these steps to make 100% sure! (Thank you) EVERYONE PLEASE DO THE FOLLOWING : 1. GO TO http://www.listyourself.net/listing.jsp and get listed in the 411 directory - THIS IS IMPORTANT ! Must use the phone you are using on your CPN profile that you can retrieve the automated code from !
Go to CapitalOne.com and view all credit cards - Choose a credit card for Excellent credit - Fill out the application using your CPN profile information only - This application will be denied.
Go to https://home.barclaycardus.com/cards.html- Fill out the any of the application using your CPN profile information only - This application will be denied. 4. Go to optoutprescreen.com and OPT IN using only your CPN profile information - NOTHING ELSE 5. NOW STOP DOING ANYTHING WITH YOUR PROFILE - - DO NOT DO ANYTHING FOR 3 business days -No SOONER please.
I do not say this for nothing, please be sure and wait the time stated.
- After the 3 Business days have passed and not any sooner -
- IF you are NOT adding Authorized User Lines to your file - Then go to CapitalOne.com and apply for the Capital One Secured card - Once approved, pay the fee of $49.95 - YES you can use your checking account.
- Allow the secured card to come in the mail - and use it immediately and pay it off within the month. Do not use the entire balance. Just a small purchase will do.
- Start building your public record on your CPN profile.
This is important. This makes your profile not blank to creditors - Your personal information (Name -Address- Phone - DOB) will show up in the credit system if they pull it to verify.
There is a $25.00 fee for this service. (RECOMMENDED) 411 LISTINGS: ( Be sure to use only your profile information)
LIST YOURSELF: http://www.listyourself.net/
SUPERPAGES: http://wp.superpages.com/addnewlisting.php
ZABA SEARCH: [http://www.zabasearch.com/](http://www.zabasearch.com/)
(Choose 6 out of the list of reward cards to do - The more you do, the better your file is - Once completed wait at least 10 business days before applying for anything)
REWARD ACCOUNTS: ( Be sure to use only your profile information)
TV GUIDE WEBSITE: http://www.tvguide.com/
SPIRIT REWARDS WEBSITE: https://www.spirit.com/freespiritlogin.aspx
DELTA REWARDS WEBSITE: http://www.delta.com/content/www/en_US/skymiles/manage-my-account.html
UNITED MILEAGE REWARDS WEBSITE: [https://www.united.com/web/en-US/apps/account/account.aspx](https://www.united.com/web/en-US/apps/account/account.aspx)
JC PENNY REWARDS WEBSITE: [https://www.jcprewards.com/](https://www.jcprewards.com/)
FUEL REWARDS WEBSITE: [https://www.fuelrewards.com/login-signup.html](https://www.fuelrewards.com/login-signup.html)
MY POINT REWARDS WEBSITE: [https://www.mypoints.com/emp/u/index.vm](https://www.mypoints.com/emp/u/index.vm)
SAFEWAY REWARDS WEBSITE:[https://www.safeway.com/CMS/account/register/?bannerId=safeway&FullSite=Y&goto=https:%2F%2Fwww.safeway.com%2FShopStores](https://www.safeway.com/CMS/account/register/?bannerId=safeway&FullSite=Y&goto=https:%2F%2Fwww.safeway.com%2FShopStores)
PLENTI REWARDS WEBSITE: [https://www.plenti.com/login](https://www.plenti.com/login)
WALGREENS BALANCE REWARDS WEBSITE: [https://www.walgreens.com/balancerewards/balance-rewards.jsp](https://www.walgreens.com/balancerewards/balance-rewards.jsp)
MARRIOTT REWARDS WEBSITE: [https://www.marriott.com/signIn.mi](https://www.marriott.com/signIn.mi)
SEARS REWARDS WEBSITE: http://www.sears.com/search=my%20rewards%20points%20balance AUTO ZONE REWARDS WEBSITE: [https://www.autozonerewards.com/viewLogin.htm](https://www.autozonerewards.com/viewLogin.htm)
ACEHARDWEAR REWARDS WEBSITE: [https://www.acehardware.com/acerewards/index.jsp?step=aceRewardsHub](https://www.acehardware.com/acerewards/index.jsp?step=aceRewardsHub)
BIGLOTS REWARDS WEBSITE: [https://www.biglots.com/account/login.jsp](https://www.biglots.com/account/login.jsp)
FAMOUS FOOTWEAR REWARDS WEBSITE: [http://www.famousfootwear.com/rewardsinfo](http://www.famousfootwear.com/rewardsinfo)
OFFICE DEPOT REWARDS WEBSITE:https://www.officedepot.com/a/loyalty-programs/office-depot-rewards/? referral=od
DICK'S SPORTING GOODS REWARDS WEBSITE:https://myscorecardaccount.com/Benefits.aspx? ab=HelpDesk_ScoreCard
"CPN's" are defined as any 9 digit number which can be used for crediare worth a SSN,
ITIN, TIN, or EIN and it is very clear the largest warehouser of converted 9 digit government issued from such as, ITI. TIN, SSN, and PROFILE !FILE!TAffordREINegallyCHED TO CREDIT AND LOAN FOLDER LEGALLY ORIGINATED BY THESE SAME BANKS. IT IS OUR STATEMENT THAT Affordable Financials IS NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: A. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from co sum rs' credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' wn Social Security Numbers; B. Representing that the building of a new credit recd by applying for credit using an EIN, a TIN, or an a ternat social security number instead of a consum 's own social security number is legal; C. Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and D. Misrepresenting any fact material to a consumer's decision to purchase our products or services. E. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers ("DBNs"), Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; F. Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer's own Social Security Number is legal; G. Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and H. Misrepresenting any fact material to a consumer's decision to purchase our products or services.
Go to Purchasing a CPN/SCN number can be one of the most freeing and best decisions of your credit life. You must take better care of your CPN/SCN Number than you do your own SSN! Read this whole instruction manual completely. Having a CPN is a huge responsibility, but the rewards for developing a strong CPN and taking care of it are worth it! With this number you are not only given a “second chance,” but when you have “fixed” your SSN Credit profile, you may continue to use this number. The CPN can add an extra layer of protection, allowing you to keep your SSN safe from fraud. We are sure that you have done your research already on this what the cpn number, and that you know the in’s and outs of it. But just in case, we will use this booklet to go over the most common questions, usability, and LAWS regarding the CPN.
GAO-17-708SP Synthetic Identity Fraud
HIGHLIGHTS OF A FORUM: COMBATING SYNTHETICIDENTITY FRAUDI I CONVENED BY THECOMPTROLLER GENERAL OF THE UNITED STATES
July 2017GAO-17-708SP United States Government Accountability Office Highlights of GAO-17-708SP, a repor t to Congress
July 2017 HIGHLIGHTS OF A FORUM
Combating Synthetic Identity Fraud
This is NOT an all-inclusive manual on the CPN/SCN, and you the consumer MUST do your own follow-up research to make sure you are complying with Local and Federal Laws. This is not a get out of credit trouble free card, or a get into more credit trouble card. If you receive credit with your CPN/SCN number, and you do NOT pay any of your debt back under this number, you will be committing fraud. You can find yourself in a very uncomfortable situation, in jail and/or in a Federal Prison. We know that saying this may be a bit disconcerting to some of you, but we want to reiterate that YOU MUST BE RESPONSIBLE WITH YOUR CPN.
Some people think that they can get away with “burning files,” or “burning numbers” and not get into any trouble. That is the wrong way to think. It is that thought process that will cause you serious legal troubles. Taking out loans, making agreements and not satisfying your debt can cause very serious problems. Before you make an unwise choice, and think you can outsmart the Federal Government, the FBI, and the Financial Institutions, THINK! They have the intel and the manpower to investigate and find you. And, if you are a file burner, they will find you. Not today, and maybe not tomorrow, but they can and will find you. Q: Am I still responsible for all my old debts? A: Yes. You are still completely responsible to handle all of your prior debts. Q: Is this a second social security number?
A: No.
Your new nine digit credit profile number will not be used for any government interactions. Employment, Drivers License, Welfare, and any other social welfare was meant to utilize your Social Security Number to gain benefits.
Q: Can I use this number just like a Social Security Number? A: No. This number is for credit purposes only and is not to be used for the following: Military, Child support, DSS income, SSI, taxes, FHA, VA, or any government programs or funding.
Q: What Can I Use With My New Credit Profile?
A: This new credit profile can be used for credit purposes only. It can be used for attaining credit cards, car loans, mortgages (private party only), personal unsecured loans and more.
Q: Is CPN Number / SCN Number Number are legal? as you can see CPN is an SIF and what about the 2SSN is it a SIF, not if created for the purpose of having a anonyme secure 2SSN as a id theft prevention, created by using a random fake name generator fauxid.com this makes a validated not issued verification 100% synthetic identity tri merged using the same steps get address get a phone number use the
As of July 2017, the magnitude of SIF was unknown but
panelists agreed that this type of fraud has widespread ramifications. For
example, one panelist noted that banks can lose an estimated $50-$250 million
in a year from SIF-related unpaid debt. Government agencies may face losses,
too. For example, one panelist said that a state paid an estimated $200 million in
fraudulent SIF-related unemployment insurance claims. Panelists also described
instances where SIF criminals funded terrorism through money laundering.
Threats Posed by Synthetic Identity Fraud
Before doing anything. To make sure it is completely merged I ask all clients to do these few steps. I have already trimerged it but many times people rush so I am asking EVERYONE to do these steps to make 100% sure!
(Thank you)
https://ssn2ssncpn.wordpress.com/2019/05/12/173/
EVpublic listing use 2SSN AND DOB POST FORWARDING ADDRESS ERYONE PLEASE DO THE FOLLOWING :
A. Yes. Go to "Is This Legal" page on our website for more info. Due to certain rights guaranteed by the 1974 US Privacy Act Title V (View The 1974 Privacy Act), federal law allows the ability for someone to legally use a private ID # for financial reporting purposes instead of a Social Security Number. Title 5, Section 7 of Publication Law 93-579 of Government Organization and Employees Act: …(a) (1) It shall be unlawful for any Federal, State or Local Government Agency to deny any individual any right, benefit, or privilege provided by law because of such individual’s refusal to disclose his or her’s Social Security Account Number. The law states that No federal, state, or local government agency may deny you any right, privilege or benefit due to your refusal to provide your SSN for any other reason than producing money for retirement account with the Social Security Administration, the IRS and your employer today. Credit Bureaus are not legally allowed to “require” your Social Security Number. In our country’s present credit reporting system a person may be assumed guilty and then must expend a great deal of time and resources to prove his or her innocence.
Additionally, once a negative item is in a credit file it may remain long past the 7 year time period most people believe is used. Synthetic identity fraud (SIF) is a crime in which perpetrators combine real and/or
fictitious information, such as Social Security numbers (SSN) (CPN) and names, to
create identities with which they may defraud financial institutions, government
agencies, or individuals.
Additionally, a misreported item can show up in a credit report multiple times.
Credit bureaus are private companies and are not affiliated with the government in any way, whatsoever. Although, the credit bureaus would like you to think otherwise.
What does the law say about credit and financial matters?
A: Title 5 of the United States Code Annotated 552
(a) known as the Privacy Act, ruled in part: "Right to privacy is a personal right designated to protect persons from the unwanted disclosure of personal information." - CAN Financial Corp vs. Local 743, D.D., I11, 1981 15F. Sup. 943, I11. (A)
(1) "It shall be unlawful to deny any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his or her social security account number".
Pub. L 93-579: (B) "Any Federal, State, or Local Government Agency which requests an individual to disclose their Social Security Account Number shall inform that individual whether the disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it." The Equal Credit Opportunity Act (ECOA) prohibits creditors from denying you a loan based on reasons that have nothing to do with your creditworthiness.
GUIDE Authorized Alternatives to SSN
0
- mai 2019
Skrevet av KIMTERJE83
Authorized Alternatives to SSN
Identification Documents Valid for EAP Eligibility
Below are authorized alternative documents acceptable for Social Security Number (SSN) for EAP eligibility, allowing an application to be completed without a primary applicant SSN.
Authorized Alternative Documentation to SSN
Authorized Alternative to SSN
I-94 Arrival / Departure Record or Form CBP
Enter the first nine characters of the person’s document number (Examples: I94-8B-XXXX)
I-179 ID Card for Use of Resident Citizen in the US
Enter the first nine characters of the person’s document number (Examples: I17-9X-XXXX)
I-197 US Citizen ID Card
Enter first nine characters of the person’s document number (Examples: I197 I-551
Resident Alien Card
Enter first nine characters of the person’s document number (Examples: I55-1X-XXXX
I-551 Permanent Resident Card
Enter first nine characters of the person’s document number (Examples: I55-1X-XXXX
I-688B Employment Authorization Document
Enter first nine characters of the person’s document number (Examples: I68-8B-XXXX)
I-766 Employment Authorization Card
Enter first nine characters of the person’s document number (Examples: I76-6X-XXXX)
ITIN Individual Taxpayer Identification Number
Enter as ‘TIN’ followed by the last six digits of the number (i.e. TIN-26-2345)
Q or V Indicates Qualified or Vacant
WAP units WAP uses Q or V as the leading digit in the SSN field for Qualified or Vacant units they weatherize. See WAP instructions for details on completing this field.
Impossible SSN
Below are SSN that have not yet been assigned by the Social Security Administration: Invalid or impossible Social Security Numbers: YES
Area number first 3 digits
000
666
900 to 999
Group number 4 and 5 digits
00
Serial number last 4 digits
0000
FFY2019 EAP Policy Manual
Chapter 5 Appendix 5F
Authorized Alternatives to SSN Updated 2018
http://mn.gov/commerce-stat/pdfs/authorized-alternatives-ssn.pdf
https://ssn2ssncpn.wordpress.com/2019/05/16/guide-authorized-alternatives-to-ssn/
Q: How does this program work?
A: By understanding the law and applying for credit re-establishment techniques, our proven techniques specializes in the establishment of credit through a completely separate and legal entity.
With your new completely and separate legal entity, you will be able to build a new credit-worthy profile. Q: How fast can I get credit through my new legal entity?
A: As soon as your new CPN Number / SCN Number has been assigned to you, your new credit profile is created and you can start applying for credit.
Q: Will my current credit profile get mixed in with my new credit profile? no not if you dont use your real SSN
What is it?
Synthetic fraud uses fake personally identifiable information (PII) to create new credit profiles, pump up credit scores and use them to get goods and services.
There are many faces to this crime, but it started out originally as a tool to help out poor people. Synthetic fraud began in poor communities in the U.S. where people with terrible credit couldn’t afford to purchase goods and services they needed. It was marketed as a credit profile number (CPN). They were told they could legally use a CPN in place of their Social Security number (SSN) and apply for credit. Once popular in those areas, it was noticed by fly-by-night credit repair companies which began selling CPNs and tradelines as a means for people to fix their credit. It was only a matter of time before organized criminal elements noticed the potential. They co-opted synthetic identity fraud, refined it, and brought an efficiency and criminal expertise to it that hadn’t been seen before. Today, a person engaging in synthetic identity fraud may still be someone with crappy credit trying for a fresh start. In this case, they will use their real name with a different SSN, address and phone number.
However, much more common are professional crooks using a variety of methods to make money exploiting the systemic weaknesses of the U.S. credit system. It may be a crook stealing a child’s real identity and applying for an employer identification number (EIN). Then, the crook builds a synthetic credit profile with the victim’s real name, different SSN, same date of birth (DOB), different address and different phone number. Once done, the crook uses the real EIN with the synthetic profile and applies for business credit. Or maybe the fraudster just wants some quick cash.
He can build a credit profile with a fake name, fake SSN, pumps the credit score up to 760 in 30 days, then apply for personal loans and walk away with cash in hand. Social Security numbers are key There are many variations, but it always starts with the SSN. A new credit file must be made in the credit bureau system to commit synthetic identity fraud and that requires a SSN not previously in the system.
How can a fraudster easily get an SSN? They take a child’s inactive SSN and substitute a real adult’s name to apply for credit. They can also create a completely fake SSN and a fake name to go with it. In 2011, the Social Security Administration made creating synthetic identities a whole lot easier when it randomized the issuance of SSNs to combat identity theft. This decision to randomize new numbers meant someone could no longer determine from the number what year the SSN was issued or from what state. That also meant that fraudsters could now use a child’s SSN without it being flagged as belonging to a child.
They also could create a SSN out of thin air and credit and loan providers wouldn’t be able to tell it was a fake. As long as the SSN wasn’t already issued to another adult, a fraudster could use it. Beyond the SSN, Synthetic fraud works by exploiting a variety of other systems, including the credit bureaus, open source intelligence (OSINT) gathering, credit application systems, know your customer (KYC) filters and more. Typical synthetic fraud How easy is it to get done? Let’s walk through how this crime is typically committed so you can see where the gaps are in the system and how fraudsters exploit them: Create a SSN following the guidelines, being careful that the prefix doesn’t start with a non-SS number. Verify the number through a SSN validator easily found through a Google search.
Alternatively, buy the SSN of a child born after 2011 on the darknet for under $2.00. Either way, SSN has never been seen by the credit bureau system, allowing the crook to build a new profile at the major credit bureaus. Add a name, DOB, address and phone number to the fraudulent SSN. Apply for credit through mortgage refinancing or a car loan – something which pulls the report from all three major U.S. credit bureaus (Experian, Equifax and TransUnion). The application will be denied, but the processing of reviewing it will create a new credit profile at all three bureaus (also known as “tri-merging”) with the synthetic information. Wait 24-48 hours. Go to creditkarma.com and pull the free credit report. Security questions will be asked. The fraudster has the answers to those questions because he created the profile. If the credit report is available, proceed to the next step. Manipulate OSINT to fool fraud prevention tools.
Go to listyourself.net and input the synthetic information. The profile will appear in White Pages’ directories and junk mail will be sent to the address in the synthetic profile’s name. Apply for various rewards cards from airlines, grocery chains and pharmacies. Consider building a Facebook page.
If a creditor searches for identity information using OSINT tools the synthetic identity will have an online history.
Wait 72 hours.
Go to Capital One and apply for a secured credit card.
A $49 deposit will give you a $200 credit limit. The profile is already making money. Pick up a prepaid debit card and register it in the name of the synthetic identity.
USE 2SSN and reward ACCOUNTS TO BUILD BETTER CREDIT SCORE
0
- mai 2019
Skrevet av KIMTERJE83
REWARD ACCOUNTS:
( Be sure to use only your profile information)
TV GUIDE WEBSITE: http://www.tvguide.com/
SPIRIT REWARDS WEBSITE: https://www.spirit.com/freespiritlogin.aspx
DELTA REWARDS WEBSITE: http://www.delta.com/content/www/en_US/skymiles/manage-my-account.html
UNITED MILEAGE REWARDS WEBSITE: https://www.united.com/web/en-US/apps/account/account.aspx
JC PENNY REWARDS WEBSITE: https://www.jcprewards.com/
FUEL REWARDS WEBSITE: https://www.fuelrewards.com/login-signup.html
MY POINT REWARDS WEBSITE: https://www.mypoints.com/emp/u/index.vm
SAFEWAY REWARDS WEBSITE: https://www.safeway.com/ShopStores/OSSO-Login.page?goto=http%3A%2F%
2Fwww.safeway.com%3A80%2FShopStores%2FMyCard.page
PLENTI REWARDS WEBSITE: https://www.plenti.com/login
WALGREENS BALANCE REWARDS WEBSITE: https://www.walgreens.com/balancerewards/balance-rewards.jsp
MARRIOTT REWARDS WEBSITE: https://www.marriott.com/signIn.mi
SEARS REWARDS WEBSITE: http://www.sears.com/search=my%20rewards%20points%20balance
AUTO ZONE REWARDS WEBSITE: https://www.autozonerewards.com/viewLogin.htm
ACEHARDWEAR REWARDS WEBSITE: https://www.acehardware.com/acerewards/index.jsp?step=aceRewardsHub
BIGLOTS REWARDS WEBSITE: https://www.biglots.com/account/login.jsp
FAMOUS FOOTWEAR REWARDS WEBSITE: http://www.famousfootwear.com/rewardsinfo
OFFICE DEPOT REWARDS WEBSITE: https://www.officedepot.com/a/loyalty-programs/office-depot-rewards/?
referral=odr
TRIMERGED and Building Your File MORE.txt[8/1/2016 1:57:39 PM]
DICK’S SPORTING GOODS REWARDS WEBSITE: https://myscorecardaccount.com/Benefits.aspx?
ab=HelpDesk_ScoreCard
Use the banking routing and account numbers to fund the secured Capital One card. The secured card gives you a primary line of credit, but it does little for the credit score.
Time for authorized user (AU) tradelines. In the U.S., becoming an AU on someone’s credit card results in the specific credit history of that card becoming the credit history of the authorized user.
It’s completely legal and costs anywhere from $300 to over $3,000 per card depending on the type of card, available credit balance, age of card and debt ratio. Doing this with a synthetic profile means a credit score can go from zero to the high 700s in just over 30 days.
Another benefit is the age of the account being used affects the age of the synthetic identity profile, making the synthetic profile look older than it really is. Once the fake profile is built, the fraudster can then apply for new loans and credit cards. Depending on how they wish to proceed, they can cash out from $20,000 all the way to $200,000 in a matter of a few months. Please note that a creditor rarely actually looks at the credit report. Instead, they rely on automated systems to determine whether credit is granted to applicants. If the application falls within a given set of parameters, credit is granted without question. This reveals one of the dangers of automated provisioning of credit.
Only if an application falls far enough outside of those parameters does a human finally pull the credit report.
Synthetic profiles are built to always fall within those automated parameters:
High credit score, age, an open-source online presence, time at address and employer, upper average salary, etc.
It becomes readily apparent an identity is synthetic if a credit report is actually examined.
Synthetic fraud as organized crime Skilled fraudsters love synthetic fraud.
The profits are large, the crime is easy, and it’s hard to get caught.
No one complains because the identity is either fake or belongs to a child who has no reason to participate in the credit system.
If the identity belongs to a child, they won’t realize they are a victim of identity theft for years. The other victims are creditors, but creditors usually don’t recognize it as fraud.
It looks more like someone who didn’t pay their bill and is often classified as a bad debt. Skilled fraudsters take this process make it efficient and scale it up into real organized crime. They use stolen credit card logins to add authorized users. They use virtual and drop addresses, mail forwarding services, fake driver licenses and sophisticated money laundering techniques to set up profiles, receive mail and cash out.
They set up dozens or hundreds of synthetic profiles at once and often layer the profiles by adding authorized users onto credit cards of aged synthetic profiles, resulting in profiles with extensive credit histories. Professional fraudsters even use proxies or remote desktops to spoof IP addresses and locations, so each synthetic profile appears different.
Employeur Identification Number)
(EIN)
Employer Identification Number (EIN) [Enter Best Workplaces 2019 ](https://inc.swoogo.com/2019bestworkplaces?cid=so1900711)Employer Identification Number (EIN) Oprah Winfrey Says 1 Decision Separates People … New York Clothing Startup Outdoor Voices Packed Up I… These Are the 50 Best Places in America for Starting a Bus…J8) This Entrepreneur Hit Rock Bottom Before Building a Bil…
A federal employer identification made n number (EIN), also sometimes referred to as a tax identification number, is a nine-digit code that businesses use to identify themselves for tax reporting, banking, and other purposes. Sole proprietorships without employees are allowed to use the owner's Social Security number for p’6”8 tax reporting purposes. But any company that has employees other than the owner—in addition to all partnerships, limited liability companies, and corporations—must instead apply for and use an EIN. The EIN is specific to a certain business, like a Social Security number is specific to a certain person. Therefore, if an individual or group owns more than one business, a separate EIN is required for each one.
There are several situations in which a business person should apply for an EIN. For example,
an EIN may be needed in order to start a new business (other than a sole proprietorship with no employees) or upon the purchase of an ongoing business. An EIN is also needed when a business undergoes a change in its organization type (i.e., from a sole proprietorship to partnership or corporation) or when it hires employees for the first time. Some businesses may require an EIN in order to create a pension plan or form a trust. Still others find that they must have an EIN for banking purposes (many banks hold commercial accounts under WINs and personal accounts under Social Security numbers). Businesses are required to file for an EIN as soon as it is needed for one of the above-mentioned reasons. In order to be assigned an EIN, the company must file Form SS-4, the Application for Employer Identification Number, with the Internal Revenue Service (IRS). The forms are available at all IRS and Social Security offices, or they can be downloaded from the IRS web site. No application fee applies, but the form can take several weeks to process. If any business tax forms are due in the meantime, the small business owner should simply write "applied for" in the space for the company's EIN. In addition to the federal EIN, states that charge their own income tax often require businesses to file for a state EIN. The individual can apply for an EIN in various ways. Possibly the easiest way to do so is by telephone. The IRS provide a toll free number (800-829-4933) which may be called anytime between 7 a.m. and 10 p.m. local time, Monday through Friday. An "assistor," as the IRS calls the person, will take information from the caller and issue the EIN over the telephone. Other methods are by FAX, mail, and over the Internet. To explore the most handy approach, the individual can look things over at IRS's website for this subject provided in the references below.
Fake companies made for educational purpose
<sup>Example of company </sup>
Ledner-Swaniawski Future-Proofed Optimal Matrix Embrace B2B E-Commerce [[email protected]](mailto:[email protected]) 83-6012239 President Conner Wade
Ledner-Swaniawski Future-Proofed Optimal Matrix Embrace B2B E-Commerce [email protected] 83-6012239
Both is fully made using protonmail
And the company have paypal verified business merchant accounts.
Current prevention efforts insufficient Little wonder increasing numbers of fraudsters realize synthetic fraud is about as close as one can get to committing the perfect crime. When I first wrote about synthetic fraud early last year most people then had never heard of it and (WHEN ONE FIVERR DIDN'T BELIVE IT WAS A WORD BUT SOMETHING I MADE UPP) such a crime was even possible. Things have changed in the months since my initial article. Law enforcement is more aware of the problem and is making more synthetic fraud related arrests. Fraud prevention related companies like LexisNexis, Emailage, Idology and others are working hard on methods to recognize synthetic fraud profiles. Financial institutions, creditors, and even credit bureaus themselves are working to combat the problem and progress is being made. Unfortunately, the steps taken to combat synthetic fraud have done little to stop its growth. Now synthetic fraud is a staple of many fraud related communities. Fraudsters openly discuss building profiles, tutorials are sold or traded (some over 300 pages long) teaching people how to do it. Classes in synthetic fraud for fraudsters are regularly being taught and the numbers of people committing this fraud have multiplied. Fraudsters are aware that some companies are catching on. They know some measures have been introduced to flag synthetic profiles and they have a solutiPatienceence. Fraudsters have started aging the profiles for longer amounts of time. They are adding multiple AU tradelines to profiles. The result is best summed up with a recent conversation I had with a Wells Fargo fraud analyst: “What the hell are we going to do when these people age a profile for 6 months or a year?,” he asked. “You won’t be able to tell the difference between a synthetic and a real person. What then?” That is a really good question. I’ll let you know when I have an answer. Health and the Arizona Department of Child Safety, the report said. In June 2017, Anthem, the largest U.S. health insurer, agreed to pay $115 million to settle lawsuits stemming from the 2015 data breach compromising the personal information of 79 million people. [https://fauxid.com/](https://fauxid.com/) [Elfquin.com](https://www.elfqrin.com/) _How to avoid (or minimize) identity theft _The increase in internet broadband connections and, in particular, wireless connections, has led to an increase in personal productivity and enjoyment at the expense of security. Internet fraudsters know how to target insecure networks. They also know that the increased numbers of internet numbers mean that their chances of becoming successful are improving all the time. You may not be able to stop identity theft or identity crime, but you can minimize it. Consider the following:
Always ensure that your internet connection is secure. Wireless connections are now commonplace but criminals can hack into an unsecured wireless network and steal your data. Sophisticated and determined criminals employ people to seek out these insecure connections. It is a simple matter to make your own connection secure - find out how to do it and get it sorted right away. Always be aware of any email that you are not expecting. Internet scammers will try to get your personal information, most especially your financial data, by sending fake e-mails to you. They wish you to reply to the e-mail with your bank details or other personal information. Never give her such as this via e-mail without ensuring that the e-mail is from a trusted source. Never give anybody your personal password or personal identification number (PIN). Reputable banks, credit card companies or other institutions will never ask you for this information. If internet criminals have access to this data they will be able to get into your personal financial bank and credit accounts and steal your money. If you are at all suspicious of any approach to you for your personal data or other details about your identity always ask the person to give you their own details so that you can contact them back. Identity fraud, identity crime, and identity theft can occur both online and offline and you should be wary of other people contacting you either on the telephone or even at your door. Where possible ask for the identity of the person that is contacting you and you can even phone or e-mail them back when you have checked that they are a trusted source.
Be wary of any e-mails you may receive that appear to come from your bank or other financial institution. Internet fraudsters have sophisticated ways of making their communications to you look as though they have come from your own financial company. They will use the same logos, the same text, and font, the same manner of speaking and even lure you are into thinking that they are trusted by writing details of their privacy and security methods. .
The problem for your crook is that course takes too damn long when you're attempting to earn some money. Input Authorized User Tradelines. Under US Legislation that is current, it is legal for Individual A to add Person B onto one of A's present credit lines within a Licensed User. This not only potentially allows a user to use the credit A added him but Gives Person B that the credit history of the specific credit line (credit card) include another billing cycle.
This type of crime is great for fraudsters. The fraudster controls all because the profile was created by him. He could answer all security questions. And no one ever complains. the payoff for your crook? Anywhere to thousands of dollars from several grand. Everything depends on the patience of the offender. If the criminal chooses his time, has actual credit cards in hand, then pays off these credit cards within two months and build a comprehensive credit rating, then the offender may ultimately walk off with well over $50k from that one profile.
Also, there is a definite blueprint fraudster use to perpetrate this sort of crime. I've detailed a piece. Systems have to understand that the pattern and that a thorough review has to be conducted, prior credit is issued.
The offender needs to improve credit score and background. There are a few ways to get this done. And, due to the US Congress, it isn't hard. A criminal could construct credit the conservative manner, exactly the same way that Americans do, by slowly building their credit over several months and many years, paying their bills and being good creditworthy taxpayers.
We want the identity information of children to suspend in order that they don't become victims. A couple of states have made this more easy. We need this to become an automated procedure. At present, parents may do so for their own children, but uneducated and poorer parents usually do not think of things. Again, LEGISLATION.
None of this material is rocket science. And that's one of the most significant things it does not take a genius. And it doesn't require a genius to stop those crimes.
Authorized User Tradelines. It is a concept that is good, but actually? Much fraud associated to keep it around. We get rid of tradelines and all a sudden SIF Theft becomes hard to perpetuate. It would be possible, but much less easy. Criminals would look elsewhere to get money.
That said--that the offender should do things to make it look as though the SIF he's made is a real person. The sham that is generated does not have to stand up to a comprehensive evaluation, merely a check.
Furthermore, more in-depth automated checks will have to be accomplished. The days of a web crawl that is easy to confirm if a phone number and address pop up on something like Whitepages to see should stop.
So the criminal comes with a SIF in the System. He also eventually become it entered into a minimum of one of those credit agencies and has produced a fictitious person utilizing some elements that were actual. The issue for the offender is the SIF credit profile has zero credit. Therefore, it is not really worth much to someone attempting to commit fraud. The criminal has to do several things at this stage for the intended fraud.
This kind of crime is ideal for fraudsters. Since he made the profile, everything is created by the fraudster about the profile. He can answer all safety questions. And no one ever complains.
And that is actually. The crook must get the SIF . Then he has to get his SIF to seem like a real person. He has to construct the credit history. All it takes is a small moment.
The offender uses these tradelines to create a credit history for his SIF. By including a tradeline of a card a couple of years old it seems as if the SIF has been credit. Typically, also needed to commit this type of crime are cards really as tradelines , otherwise known from the SIF's name. The criminal relies on an assortment of readily obtained secured credit cards that report to credit bureaus, to meet this requirement.
What exactly does that mean? It usually means that individual "B" with no credit may be inserted as an approved user to somebody else (Person A) credit card, so never really use the charge card, and next billing cycle Person B will have the whole credit history of the one specific card added to their credit report. It is pretty straightforward. And it can raise the credit rating of someone up Quickly, especially if the person has no credit rating or history to start with. This method of boosting the credit has spawned a whole industry of individuals who sell authorized user access to their own charge cards and companies who promote those "Tradelines" to people wanting to improve their credit score. Something sounds odd, right? I agree. However, it is legal.
The difficulty for the crook is that route takes too damn long when you're attempting to earn some cash. Input Authorized User Tradelines. Under current US Law, it's legal for Person A to add Person B onto the existing credit lines as an Authorized User of one of A. This not only potentially allows user to utilize the credit A added him to, but MORE IMPORTANTLY gives Individual B that the credit history of the specific credit (credit card) include another billing cycle.
That brings us to another mistake in the machine that is being manipulated. The systems set up have a tendency to do a surface check. Checks aren't being now performed by systems before issuing credit, and there are few reviews. Lots of people reply to verify the person wanting credit is actual. Unfortunately, these documents are VERY EASILY exploited and fabricated. Copy To Clipboard edit Spin Copyscape Proofread with A Spin: This is where I fall to state what some of these "items" namely are. It's not my aim through to perpetrate Synthetic Fraud to walk would-be criminals. It's my aim to illustrate how easy this fraud is to perpetuate and equally it is stopped, given proper legislation and security.
Authorized User Tradelines. It is a concept that is fantastic, but actually? Too much fraud and this connected to keep it. We get rid of tradelines and all a sudden SIF Theft gets difficult to commit. It would still be possible, but not easy. Criminals would look elsewhere to get cash.
Then, the criminal needs to improve history and credit rating . There are some ways to do this. And, thanks to the US Congress, it is not really hard. A criminal may opt to build credit the old-fashioned way, exactly the exact same way that Americans do, by paying their bills, gradually building their credit over years and years and being good creditworthy taxpayers.
Nonetheless, it is not hard to counter. I have detailed that this can be curtailed. Appropriate laws goes a very long way.
We need children's identity information to suspend so they don't become victims. A few states have made it easier. We really need this to become an automatic procedure. At the moment, parents may do this for their kids, however poorer and uneducated parents usually do not think of things. Again, LEGISLATION.
So the criminal currently has a SIF in the System. He has made a fictitious individual using some components that were actual and got it entered into a minimum of one of those credit reporting agencies. The problem for the offender is the SIF charge profile has credit. Therefore, it is worth much to somebody seeking to perpetrate fraud. The offender needs to do several things at this point for the intended fraud.
And that's really. The SIF must be got by the crook. He has to get his SIF to look like a true person. He must create credit score history. All it takes is a little time.
And the payoff for the crook? Anywhere from several grand to a lot of thousands of dollars. It depends on the patience of this criminal. If the criminal chooses his time, has actual credit cards in hand, pays off these credit cards over a couple of months and build a detailed credit history, then the offender may ultimately walk off with well over $50k from that one profile.
The offender uses these tradelines to create a credit history because of his SIF. It looks as though the SIF has been creditworthy for many years, possibly decades by adding a tradeline of a card a couple of years old. Also needed to commit this type of crime are cards actually in the SIF's name known as tradelines. The criminal typically relies on a variety of easily obtained to meet this condition.
that.
Which brings us to another error. The systems in place are inclined to just do a surface check. Before issuing charge comprehensive checks aren't being currently performed by systems, and there are manual reviews. Many issuers rely on public documents to confirm the individual is real. Unfortunately, these same records are extremely EASILY fabricated and manipulated.
What else? Credit agencies will need to have the ability to verify individuals identities. Requires legislation
That said--that the criminal must do things to make it look as though is a true individual. The sham that is created doesn't need to stand up to an in-depth evaluation, merely a cursory test.
This is the reason that Synthetic Identity Theft is currently over 80% of ID Theft.
What exactly does that mean? It usually means that individual "B" without a credit may be added as an authorized user to someone else's (Person A) credit card, so never really use the charge card, and next billing cycle Individual B is going to have the entire credit rating of the specific card added to their credit history. It's straightforward. Plus it may increase the credit rating of somebody up Quickly, particularly if the person has no credit rating or background to start with. This way of fostering one's charge has spawned an entire industry of individuals who market authorized user access to their charge cards and companies who promote those "Tradelines" to people wanting to improve their credit. Something seems odd, right? I concur. But it is still legal.
More in-depth checks will have to get done. A net crawl's times to confirm whether the address and a telephone number pops up something similar to Whitepages to determine should stop.
So the offender uses an assortment of approaches to allow it to appear that the SIF is, a person, in reality, if some bot were to crawl through databases to check for this SIF.
Which brings us to another level of the offense.
If anybody has any questions or want education or information on the matter, please contact me
This is the reason that Synthetic Identity Theft is currently over 80% of all ID Theft.
So the criminal uses an assortment of methods to make it seem if some bot were to crawl through public databases to test for this SIF that the SIF is, a person, in fact.
Additionally, is a pattern fraudsters use to perpetrate this kind of crime. I have detailed a piece of this. Systems need to recognize that the pattern and a thorough review has to be conducted prior credit is issued.
Which brings us.
This is where I decline to state what a few of those "items" namely are. It's not my intent to walk criminals. It's my aim to illustrate how this fraud is it will safety, given laws and stop and equally to perpetrate.
that.
Use Portable VirtualBox to Take Virtual Machines With You everywhere Portable applications allow you to move between computers, taking your applications and their settings with you on a USB stick. Portable VirtualBox allows you to create portable operating systems and run them on any PC. This tool allows you to take virtual machines with you and run them on any PC without worrying about installing and configuring virtual machine software. How it Works RELATED: The Best Free Portable Apps for Your Flash Drive Toolkit VirtualBox must normally be installed to run. As a virtual machine program, it needs to install Windows kernel drivers and system services. Like most programs, it also saves its settings in system areas. It can’t just be installed to a USB drive and run on any computer you come across. Portable VirtualBox is a wrapper for VirtualBox that turns it into a portable application you can install on a USB stick or external hard drive. When you launch Portable VirtualBox on a computer, it will automatically install the appropriate drivers and system services — administrator access is required for this — and automatically uninstall them from the computer when you’re done. It also provides a graphical interface for downloading VirtualBox, setting it up in a portable environment, and changing its options. Portable VirtualBox is designed to run on Windows host PCs, so don’t expect it to run on Linux or Mac host systems. Install Portable VirtualBox to an External Drive First, get started by downloading the Portable VirtualBox installer from box.me. Run the downloaded file and extract it to an external drive or wherever else you want to store your portable VirtualBox system. You can always move it later if you like. Launch the Portable-VirtualBox.exe program from here and you’ll be prompted to download and install VirtualBox’s program files on your external drive. The tool can automatically download VirtualBox’s files for you. After it does, click the OK button to unpack them. If the full version of VirtualBox is already installed on your computer, you won’t see this screen and VirtualBox will just open instead. You’ll want to uninstall VirtualBox first or set this up on a computer without VirtualBox installed. Launch the program again after it finishes unpacking files. After you agree to a UAC prompt, you’ll see the standard VirtualBox window. A VirtualBox system tray icon will appear while Portable VirtualBox is running. If you don’t see it, click the up arrow in your system tray to access the rest of the icons. Right-click this icon and select Settings or press Ctrl+5 to modify Portable VirtualBox’s settings. Note that USB and Network support are disabled by default. To use these features, select the appropriate tab in the configuration window and enable either option. You’ll be prompted to install the appropriate drivers on the current system every time you open Portable VirtualBox. Settings you change here are saved in Portable VirtualBox’s directory, so they’ll follow you between computers. Create and Run Virtual Machines Creating a virtual machine is simple. Just click the New button in Portable VirtualBox and go through the wizard to create a new virtual machine and install an operating system in it. Run Portable VirtualBox on another PC and your virtual machines will appear in the window, ready to use. By default, Portable VirtualBox will save your virtual machines to the Portable-VirtualBox\data\.VirtualBox\Machines directory. You should be able to have your external drive open them in Portable VirtualBox. RELATED: Do You Really Need to Safely Remove USB Flash Drives? Be sure to quit VirtualBox and allow Portable VirtualBox to clean up before unplugging your USB drive. You should also safely remove your USB drive before unplugging it from your computer. If you yank the USB drive out of your computer while a virtual machine is running, that virtual machine’s files may be corrupted. Portable VirtualBox can also be installed on a live Linux USB drive. You can then use it to run the Linux system on the USB drive from within Windows without even restarting your computer.
Kim Terje Grønli is Editor-in-Chief of How-To book guide to synthetic identity and credit score, and fraudsters books on the syntetic identity fraud