Recently I have been receiving frequent requests for profiles with known CS (credit score)
Let's figure out what it is and explain it in a way that even a beginner can understand
Profile or as it is often called "fullz" is full information about the person including DOB (date of birth), SSN (social security number), home address,
phone number, email, DL (driving license number) and other personal information.
Here is an example of SSN+DL profile
:
Highlights: Credit scores are three-digit numbers that show an important piece of your financial history.
Credit scores help lenders decide whether to grant you credit.
The average credit score in the United States is 698, based on VantageScore data from February 2021.
When a customer asks for a profile with a known CS they usually look for 700+ or even 800. These profiles are needed to apply for loans, stuff financing and other credits. Obviously, the general rule is the higher a borrower's credit score, the higher the likelihood of being approved. Furthermore, many lenders have a minimum credit score requirement before an applicant is approved for a new loan or credit card. And after all, it is often more attractive loan offers for borrowers who have good-to-excellent credit.
pros and cons of profiles with a known CS:
+ Less time to get a result. You reduce the risk of failure due to bad CS
+ By doing a CS check you automatically check if the data is up to date
- Someone might have already seen your profile. It was not just sold straight out breached database.
- You don't know what method was used for CS check. It might be a red flag for getting credit or loan.
You never knew if the check was automated by the seller, or it was outsourced to low quality worker who can save some info to earn extra money. Or if he gets angry at their employer because they are underpaid. Thing happens.
For example, some financial services do offer a credit check - let's say your profile has already been checked on a site you are going to apply. And that site forced to create an account for check or at least leave them email. After buying a profile, you go there again, create a new account and pretend you don't know anything. Guess what's next?
So considering all of the above, is it worth it to buy a profile with the known CS or is it better to do it yourself?
— If the vendor claims that CS is a part of the database, and he wasn't looking it up Intentionally, then yes, it's worth picking up. Most likely the database was leaked from financial services and if you believe him you're golden.
— If the vendor says that CS has been looked up and/or he is selling CS lookup, I would say no. Watch a breakdown of the disadvantages Above.
So what should you do if you don't want to do the search yourself and no vendor has been found? Here's a tip for you:
Find a state with high salaries.
Handpick city or even county with expensive property. (zillow.com or similar)
Then ask your vendor for profiles with this zip/city/county. Most of them will have a high CS.
And remember, when you buy profiles from me, you can always be sure that they have not been used anywhere else.
Let's figure out what it is and explain it in a way that even a beginner can understand
Profile or as it is often called "fullz" is full information about the person including DOB (date of birth), SSN (social security number), home address,
phone number, email, DL (driving license number) and other personal information.
Here is an example of SSN+DL profile
:Highlights: Credit scores are three-digit numbers that show an important piece of your financial history.Credit scores help lenders decide whether to grant you credit.
The average credit score in the United States is 698, based on VantageScore data from February 2021.
When a customer asks for a profile with a known CS they usually look for 700+ or even 800. These profiles are needed to apply for loans, stuff financing and other credits. Obviously, the general rule is the higher a borrower's credit score, the higher the likelihood of being approved. Furthermore, many lenders have a minimum credit score requirement before an applicant is approved for a new loan or credit card. And after all, it is often more attractive loan offers for borrowers who have good-to-excellent credit.
pros and cons of profiles with a known CS:
+ Less time to get a result. You reduce the risk of failure due to bad CS
+ By doing a CS check you automatically check if the data is up to date
- Someone might have already seen your profile. It was not just sold straight out breached database.
- You don't know what method was used for CS check. It might be a red flag for getting credit or loan.
You never knew if the check was automated by the seller, or it was outsourced to low quality worker who can save some info to earn extra money. Or if he gets angry at their employer because they are underpaid. Thing happens.
For example, some financial services do offer a credit check - let's say your profile has already been checked on a site you are going to apply. And that site forced to create an account for check or at least leave them email. After buying a profile, you go there again, create a new account and pretend you don't know anything. Guess what's next?
So considering all of the above, is it worth it to buy a profile with the known CS or is it better to do it yourself?
— If the vendor claims that CS is a part of the database, and he wasn't looking it up Intentionally, then yes, it's worth picking up. Most likely the database was leaked from financial services and if you believe him you're golden.
— If the vendor says that CS has been looked up and/or he is selling CS lookup, I would say no. Watch a breakdown of the disadvantages Above.
So what should you do if you don't want to do the search yourself and no vendor has been found? Here's a tip for you:
Find a state with high salaries. Handpick city or even county with expensive property. (zillow.com or similar)Then ask your vendor for profiles with this zip/city/county. Most of them will have a high CS.
And remember, when you buy profiles from me, you can always be sure that they have not been used anywhere else.
I would be happy to update the article for you