Loan Fraud Guide V.3.5 (With Scans)
by LuedoTilMortm
Well I finally found the files with some sites that approve loans easily, I got into this Loan business about a
year ago and haven't t done it much since, but it is
...
Loan Fraud Guide V.3.5 (With Scans)
by LuedoTilMortm
Well I finally found the files with some sites that approve loans easily, I got into this Loan business about a
year ago and haven't t done it much since, but it is definitely a good money maker if you get good fulls and
Photoshop skills (or pay to get scans done).
I'll include a paystub, bank statements and recent history on it that will be useful.
GENERAL
The info spreadsheet that I sent you contains all the relevant information for the person. There are a total of
5 phone numbers in there. The Main Phone and Work Phone have associated Skype accounts. Lenders will
call them both frequently, so make sure you’re around to pick them up. Usually it’s simplest to have the
personal number forward to a prepaid (you’ll get the most calls there) and have the Work Skype open so
you can answer those calls.
YOU NEEED TO HAVE VOICEMAILS on both numbers! If a lender calls and there’s no voicemail, they
get suspicious. For the work number, make up the name of a supervisor and record the voicemail as him.
(Obviously you need to change your voice a bit, or have someone else do it so they don’t sound identical).
MAKE SURE THAT THE COMPANY NAME IS ON THE WORK VOICEMAIL! Usually when lenders
call the work number they want to talk to a supervisor and verify that it’s a real company and that the
person is employed there. MAKE SURE YOU TEST THE VOIECMAILS BY CALLING THE
NUMBERS BEFORE YOU GET STARTED! Sometimes there can be unanticipated problems.
The Info spreadsheet also contains the person’s pay dates. IT IS VERY IMPORTANT that you enter them
as they are in the spreadsheet, since they need to match up with the docs we’re going to send. For docs,
included are the Recent Bank History, Last Month’s Statement, and Paystub. All of them are FAKE, so you
CANNOT have a lender call the bank to verify! (More on that later)
APPLICATIONS
Refer to the List spreadsheet for sites to apply with (ALSO AT THE END) . You can also find more by
googling “payday loans”. The spreadsheet is split up into two halves. The top half are websites at which we
have gotten approvals at some point. The bottom half, we have not, but that does not necessarily mean they
are bad websites, we just haven’t tried most of them enough times to know for sure.
DO NOT USE TOR TO APPLY!! Most of these sites will decline you right away if they detect anything
fishy about your IP address. You need to either be physically in the US and use a prepaid modem or if
you’re outside the US, use a VPN. You need to have a clean US IP address, a Tor exit node won’t cut it.
There are essentially 2 types of websites:
1. Forwarding websites. They don’t provide the loan themselves but instead forward the application to
other websites or companies that do everything by phone. These sites are in the top half of the spreadsheet
in bold. They can be the most efficient way to apply, as they give you a way to quickly reach a bunch of
companies. If you get approved at one of these, APPLY AGAIN! And keep applying until you start getting
rejected. It’s possible to get 34 approvals in a row at some of them.
2. Those that do the loan themselves. You apply at the site directly and it either approves or rejects the
loan. Those are on the top half of the spreadsheet in regular font. Once you do all the forwarding sites,
apply directly to all of these that you were not approved at through a forwarding site. Very frequently
you’ll get rejected by a forwarding site, but will be approved at one of the direct ones.
Why apps get approved and rejected? NO FUCKING CLUE! Seems to be almost random. Similar people
from the same state get approved by some and rejected by others, and it’s almost always different
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