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Walkerz Credit Report Guide

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homan
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64 views

Walkerz Credit Report Guide

Uploaded by

homan
Copyright
© © All Rights Reserved
Available Formats
Download as PDF, TXT or read online on Scribd
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Credit Report Guide

When applying any type of credit, it's best to have the victims financial
information and history at hand. This is going to be a requirement for my bank
account creation method, so it's best to go over this guide a few times to make
sure you get the gist. However – only experience sticks so best not to get
paralysed by the details, just try and if you fail – I can be contacted via jabber
at [email protected]. Now let's get started!

1. The site we're going to be getting the victims credit report from is
clearscore.com. They use data from Equifax, since they are a major
player along with Experian you can be rest assured that most lenders,
creditors and utility companies share information with them. Another
major plus is they don't require any debit/credit card details when
signing up, which is a potential hurdle completely bypassed. If you
purchased this along with the bundle, then please refer to my data
sourcing guide, where I go through the methods on how I find eligible
data which will be used here and my bank account creation method.
Also, I'll assume you are clued up on socks5, vpns, virtual machines, if
not there are plenty of free guides on the forum, or you can ask me
directly. Now – assuming you haven't already, go to www.clearscore.com.
You should be greeted with this:

2. Click 'Sign Up' in the top right-hand corner. You will then be asked for
your email, this can be fake as they don't send any confirmation link.
However this could change, so I suggest not being lazy when it takes like
1 minute to sign up for a hotmail account, they are the best free email
provider in my experience since even when signing up with blacklisted
proxies, registration goes through np and they don't send send
verification txts like yahoo or gmail.
3. After entering your email as shown above, the next step requires the
persons full name, the middle name doesn't seem to matter much as I've
confirmed from birth and electoral records that they have one, plus it
show on their actual credit report but the application is successful. Again
– this could change in the future so it's best to be thorough as it will
enforce good habits, I go into detail regarding this in my data sourcing
guide. The DOB however is pretty much a requirement, again, I go over
this in my data sourcing guide. Next is the password, which is self-
explanatory.

4. Next step is his/her address. You will be prompted to enter their


postcode, a drop-down menu will appear to the left, scroll down until you
find the appropriate address and click on it. Address boxes should appear
already filled, if you are happy that information is correct then click next.
5. You will then be asked to enter their move in date. As recommended in
my data sourcing guide, I like use the same time period as the house
was purchased at, give or take a week. They don't cross-reference this
data, but little details like that could fail other credit-related applications.

6. Next you'll be asked their residential status, pretty-self explanatory so


just go with home owner. Once you have done that you will be at the
next stage of questions.

7. This time you will be asked for your employment status and the name of
your bank, first one should be obvious as most people are are in full-time
employment. However – you'd think the name of your bank would be a
crucial part of this process, but after getting dozens of reports. It doesn't
seem to, and I've got a theory for this: Since credit reports universally
update on a monthly basis, there is no way they can fail you on that
question alone since maybe you switched banks just before wanting to
see your credit report, that information won't be visible until the very
next month. So knowing this, you can pick whatever bank or choose 'my
bank isn't listed'. Now of course if you are using dead fullz then you
know exactly who they are banking with, but it seems to have no effect
regardless.

8. Next comes the dreaded security questions, however with a bit of


common sense and utilising some tools you should get enough questions
right to gain access to their credit report. Let me show you my
methodology: First, I will scroll down to find the easily answered
questions. Things like previous addresses, joint account holders (usually
a spouse). If those questions appear then happy days because as
mentioned, they are extremely easy to find out. Simply go to
zoopla.co.uk and click 'house prices/valuations' Type in the postcode
clearscore gave and look for homes sold around time they bought their
new property, that also corresponds with the house numbers clearscore
gave as choice, you should find it no problem. Next aforementioned
answer is if they have a joint-bank account with their spouse, I go over
this in my data sourcing guide so hopefully you noted down the relevant
occupants. If you forgot to do that then you can do so now via 192.com,
simply enter the persons name and postcode and they should appear. If
there are multiple female occupants, they also sometimes have age
ranges. Look for females with the same initials as clearscore provided, if
there are more than one then check their age ranges by manually
searching each one.

Now unfortunately there will be questions you simply cannot answer


definitely, so here comes the common sense part. For example, when it
comes to 3 of the most likely common security questions such as
mortgage, bank and credit card provider – it's likely they will at least
have 2 financial products from the same bank, so if you see a name
repeated in relation to those categories, then it's a safe bet that is the
same provider, however sometimes even that is sometimes wrong as I
will show you soon. If a bank does not appear twice, then you will just
have to wing it, you should always choose a major provider instead of an
obscure one as they would be very niche or regional such as 'Islamic
Bank of Britain' or 'Tools 4 Hire Ltd' I can guarantee you will see those
prop up, so it's a process of elimination. Now if you have dead fullz, then
they will come in handy later if you got too many questions incorrect.
For your reference, here are images of my security questions. If you see
an cross and a tick, then that means I answered something incorrectly
after checking their actual report. Just one tick means I got the question
correct, as you will see a regional provider was correct, despite Halifax
showing up more than once.
So looking at the above images, some questions such as when you opened an
account or how big your overdraft is simply have to be guessed. So you need
to get 50% of the answer correct to pass, otherwise you will get a failure
screen saying there are unable to verify you. Before this would be no problem,
you could fail 3 times before they would lock you out, however after a recent
security update if you fail once, and get enough questions right a second time
(after a process of elimination) you will be asked to enter their bank account
number and sort-code, if you don't have dead fullz time to abandon this
particular account, no worries the only thing wasted here is time. Time that
gets less and less, the more experienced you become. Now if you get a
message saying they are preparing your credit report, congrats as you are in.
Skip the video and you should get something similar to this
Now if you followed my data sourcing guide on how to find appropriate victims
to apply for credit then you should have a credit score similar to above, or
higher hopefully. Anyway, having their credit report cannot be understated in
its importance, companies will open their legs and willingly get fucked, plus
pay you for the trouble. If you purchased this apart of a bundle you are now
ready to proceed onto the bank account creation method.

Thanks for your patience and patronage, as always please contact me on the
market if you have support queries or jabber at [email protected]

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