CHECK FRAUD

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% CHECK FRAUD %
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% The Disk Jockey %
% 3/18/86
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PREFACE:

Ok, you, like millions of others are sick of having to save your
money
for weeks to buy things, and you are ready to try "other ways" of getting /> things, right? Well, I have tried many different ways of obtaining things, and

for a
long time carding was the best way to buy things, but had maybe a 1 in 4
chance of being
successful, and with all the new ways of checking credit cards,

its getting harder and
harder to get what you want. Check fraud has been 100%
successful for me, and I am going to
tell you how you can do it. This text file

is (of course) meant for information use
only, and the fraud techniques in here

are against the law, although it isn’t very
clear as to what the laws are, the
vary from state to state.

The author is in no
way responsible for what you do with this information.

CHECK FRAUD

———–

Checks are taken everywhere, grocery stores, computer stores, clothing, />
almost any place that will take cash will also take checks!

First of all,
either open an account with a bank or use your current one. Have
a basic "no-frills"
checking account for a few months, and have your usual
transactions.

One day, say
a Tuesday, call the bank and say something like:

"Today somebody stole my
checkbook and my wallet out of the car, and they have
all of my identification, and an almost
full checkbook"

The bank will then stop payments on the checks in the number range
of the ones
"stolen." It might also be advisable to report this to the police too,
telling

them that ALL of your ID is gone.

Now, go to a town nearby, but
best not in your own town. Go crazy with those
checks, buy everything you want, hell, you have
about 25 checks to boot. Show
them all the ID they want, after all, it was supposed to be
stolen also, but
they don’t know that!

Be VERY CAREFUL about the way you sign
your checks, even the way you write out
the amount on it, make it as different as possible,
don’t sign your full name,
or don’t write you letters the same way.

In about a
week or two, you will get either calls or certified letters from the

places that you
bought from, saying that they had the check returned to them
that you wrote on such & such
a date. Tell them that you had never wrote the
check, and that you had a checkbook and wallet
with ID stolen from you, and
that the bank and police can verify it. Few places will go
further checking
than this, but if they do, and call the bank, the bank will only tell them
what

checks were stolen, the number range, and the date you reported it. Most

stores have insurance for this, and it is then covered, and forgotten.

Avoid large
retail stores, or places that might have a way to check for the
checks, and avoid some grocery
stores that have cameras and the like for this
purpose!

Vidio tapes can be
rented, and even VCR’s, all on check, and you can keep all
the stuff, free of charge!

I know this works, I have been buying thousands of dollars worth of stuff, with

no hassel whatsoever! Just stay away from your own town, so nobody will
reconize you, or call
you in to see you and verify that you weren’t the one
that the remember being in there!

Good luck, and don’t get caught!
—————————————- The Disk
Jockey

• Bank Fraud
• CHECK FRAUD
• WHAT IS CHECK SYSTEMS AND TELECREDIT
• Advanced Carding Techniques
• Fun with Automatic Tellers Preface

@!@!@!@!@!@!@!@!@!@!@!@!@!@!@
@! !@
@! CHECK FRAUD MADE E-Z !@
@! PART TWO !@ /> @! !@
@! !@
@! Written By: THE RAVEN !@
@! MAJIX and INTROSPECT !@
@!
Typed & Edited By: !@
@! BIT STREAM !@
@!@!@!@!@!@!@!@!@!@!@!@!@!@!@

Who else will bring you such a graphic and up-to-date file!?!

—————————————————————————–

Altho
this text may describe ways of defrauding & frogery it is the
authors right to show how
lax check cashing places are when it comes
to passing a bad check. THE RAVEN does not assume
any responsibility
for the action taken by those who use this files in an unlawful way.

This file should not be looked upon as a crime tutorial, cause I’m
writting a crime tutorial!!
It will be called :

The Crime Technical Journal (CTJ1.TXT)

It will be
comming soon to a real bbs near you! This journal will contain
scams, secrets, ideas, etc. It
will be released in volumes so look for
The Crime Technical Journal 1 and be sure that every
chance we get we will
release another, and another, and another. You get it!?! GOOD….

CTJ1.TXT > COMMING SOON!

-THE RAVEN

============================================================================
I’m sorry for not
releasing this file sooner but we had to do some hands-on
testing for my up comming file
called card fraud! That file will change the
world of the Carder to make him/her 500% more
succesfull. Now I’m getting a
lot of heat for that file! But anyway
you slice it THAT
file is comming out!! And it’s INTENDED TO TECH EVERYONE
HOW CREDIT CARD SECURITY CAN BE
BREACHED, IN HOPE THAT PROBLEMS SUCH AS
THAT CAN BE TAKEN CARE OF. ya right that’s it!!
hehehe

-THE RAVEN

—————————————————————————–

INDEX:
I.BASIC’S
II.FORGERY
III.SCAMS
IV.Where 2 Find Me

—————————————————————————-

I. Basic’s
of passing a bad check

The bad check passer normally follows certain guides when
working. He knows
that there are certain things that the merchant insist, and he tries to /> blend in with the crowd.
The first step is reconnaissance. The professional bad check
passer seeks
to find the easy targets. To do this you opps I mean he will enter various

stores to observe there procedures. He may make small purchaces with cash or
check, so he can
see for himself whether cashiers ask for id when a person
pays buy check, and also what sort
of id passes in a certian store.
The secret of a con man’s success is not his uncanny skill of
fooling
people, nor is it his being a masterful psychologist. Instead, it’s his

willingness to lay back and observe before working his con, because he
knows that it’s easy to
fool careless or vulnerable people. When there are
several cashiers, a few minutes spent in
watching for the tired or careless
one who skips basic security procedures avoids the need for
devising ways to
fool an alert one.
Another important factor is timing. The bad check
passer needs the
anonymity of a crowd, and knows that long check-out lines keep cashiers /> under pressure. This works in his favor. The height of the bad check season
just passed,
it’s late fall, just before Christmas, when stores are crowded
with people buying gifts.

The first point is to appear respectable, as part of the clientele. The
bad check passer does
not enter a store dressed in rags, or demonstrate a
surly or vicioius manner. He does his best
to appear respectable and very
pleasent, because he is first of all a salesman, and knows that
he must sell
himself if he’s to succeed in "selling" a bogus check to a clerk. /> Another point is that the bad check passer must always keep his cool. Any-
one who looks
nervous, or gets flustered easily, will attract attention and
arouse suspicion.

II. Forgery

It’s possible to counterfiet checks from scratch as how I outlined in
pt.1
most people will say that it requires a high-tech operation cause of the
special
paper and shit but if you invest about $600 in equipment and services
you will be able to
gross $100,000. I have herd from people that some have
tried to use Check Fraud pt.1 with no
success, if that’s the case I suggest
that you let me see a ’sample’ of your product case you
may be overlooking
something simple that can get you locked up!
It’s also necessary to
know certain numbering systems, even for low-tech
forgeries. Social Security cards, are not
accepted for I.D., but the
government issues them following a number system according to
state of origin
Likewise, checks have clearing house and bank numbers, according to

geographical are, and creating an effective forgery requires printing the
correct numbers on
the checks.
Just like carders & hackers have "Dumpster Divers" so do the check
fraud
artist. The system works the same instead of going through garbage from
the phone
co. or stores the check forger goes through garbage from printing
plants that print checks for
local banks and shit.

Photocopy machines are very useful for check copying, because of
color
toners. These often come close to matching the inks used on genuine checks.

Another forgery technique that if your reading this file I’m sure you’ll
try is the use of
"print shop" programs on home computers, coupled with
laser jet printers that print
high-resolution copies. Available software
allows producing almost any type font needed, and
for those not included in
available software, a scanner allows picking it up from a copy. />

III. CHECK SCAMS

1) The Double Check Scam

An almost
fool-proof scheme to defraud retailers is the double check. The
check passer (which we will
refer as ‘paperhanger’ from now on) buys an
expensive item at a jewelry store, for example and
writes a completely
legitimate check for the price. The clerk telephones the bank to
verify
that there is enough on deposit to cover the amount. The bank assures him
that
the check will be covered, and the clerk begins to wrap the purchase.
At this point the
‘paperhanger’ changes his mind, and selects a slighty less
expensive item. He asks for his
checkback, and takes out his check book to
write another one, for the smaller amount. The
clerk, having already verified
the first check, usually finds it unnecessary to verify a
smaller check, not
noticing that the second check is drawn on another account at the same
bank.
The second account is closed, and the check bounces, by which time you, opps
I
mean the paperhanger is long gone.

If you live in a state which makes it a felony to
draw checks on closed
accounts (like where I live). Open the second account, but with the
minimal
balance like $25. This covers the legal contingency, and avoids making it

obvious that the intent was fraud.

2) Telephone Order Scam

Some
telemarketers and other shop-by-phone companies accept customers’
checks. Some use special
telephone check authorization services. One procedure
is to ask the customer for the bank
routing number, which is printed in
magnetic ink at the lower left side of the check. The next
step is to request
account number, to the right of the routing number. The weakness in this /> procedure is that anyone finding a discarded check made out by a person, can
use the
numbers without having to sign the account holders name or show the
check for verifaction. />

2) Kiting Checks

"Kiting" means covering checks with other
checks drawn on accounts with
insufficient funds, and using the freshly drawn checks to cover
the ones used
tocover them. Kiting depends upon the ‘float’ or time lag, between the moment /> a check is written and the day it arrives at the other bank for collection.
Such a scam
could go on forever, with one check covering the other in
rotrtion.They’d all be good, but
only if the series lasted forever. The
reason kiting is illegal is that the last check would
bounce.
In its simplest form, kiting work this way: The Fraud artist draws a check
for
oone thousand dollars from checking account "a" and deposits it in
account
"b" set up under another name. Knowing the time it takes for the
check to clear, he
writes a check for $1500 on account "b" and deposits it
with $500 "cash
back" into account "a". He uses the $500 for living expenses.
Alternately, he
can write a check for $1000 to cover the first check, and
write another to cover his living
expenses.

The next cycle begins with his having to write a check on account
"a" for
$1500 to cover those drawn on account "b" He deposits this in
"b" and draws
other checks to pay for purchases, as well as to cover the $1500
check
draen on "a".

Modern kiting operations are more sophisted than
the one I just mentioned.
A modern con artist will set up several checking accounts in the
names of
dummy companies, to avoid the obvious tip-off of a customer writing checks
to
himself on other accounts.

Kiting can work only under certain conditions:

* There has to be enough time between deposit and collection. Modern
electronic banking has
reduced the "float" time to only a day or two
with three days maximum between banks
at opposite ends of the country.
The practical difficulty of running checks back and forth
between the
Alantic and Pacific coasts makes this very awkward.

* All banks
involved have to be willing to allow the account holder credit
for uncollected funds. This
means that the bank must not put a "hold"
until collection on checks deposited.
Otherwise, the checks the con man
uses to cover those drawn on each account would bounce, and
the scam will
become totally unglued.

* The con man knows when to quit!
Eventually, someone will become suspicious
of an account that has constantly increasing
deposits and withdrawls.
When that happens the police will be waiting at the bank.
/>

3) Sweeting the Account

This means using an established account and
depositing bogus checks to
increase the balance, meanwhile drawing other checks on it. Another
way to
take advantage of a "sweetened" account is to take "cash back" on
bogus
checks. Banks will often give long-term customers credit for uncollected
funds,
and sweetening the account with out-of-state checks will often allow
playing fast and loose
with the checkbook until the bogus checks begin to
bounce.

4) The
High Tech Hood Scam

The name of this should tell you who pulled it off and that it’s a

‘goldmine’. NOw to work this scam you’ll open up a account in a bank under
a fake name.
With that handy you’ll deposit checks that are ’sort-of’
stolen. Your saying huh? Let me
explain…
When you find a personal check in the street the person usually puts a
stop
payment on it now what you do is calculated about6-10 checks after
that, say the found check
number is 160 you print up a check #170 using
all the info contain here and in part 1. and
deposit the check into your
account make sure you don’t write something that might bounces.
Keep it
small like $475.00 under $500 so if you get bagged you who be charged with

‘Grand Theft". If you redo all the #’s right the check will clear!

I also
wrote a guide on check fraud the insiders guide but it’s in G-file
mode on THE NEW YORK HACK
EXCHANGE BBS so you can look for it there under
the G-file section of scams.

=============================================================================

IV. BBS’s
where you can find Me.

RIPCO (312) 528-5020
P-80 (304) 744-2253
The
New York Hack Exchange (212) 379-4702
Unauthorized Access 10pm-7am +44-0636-708063
/> =============================================================================

• CHECK FRAUD
• Bank Fraud
• WHAT IS CHECK SYSTEMS AND TELECREDIT
• The Chemist’s Corner ARTICLE #1: EXPLOSIVES
• Fun with Automatic Tellers Preface