Income Verification Bypass Method : FREE_Guides | Torhoo darknet markets

When applying for loans or high balance cc open ups, you're gonna get hit with income verification document requests every single time. I don't see anything on most of dread for bypassing that, and it's really fucking easy, so I figured I'd give out some more free game. When you get asked to prove your source of income, they'll ask for two documents typically; paystub (sometimes multiple) and bank statement (also sometimes multiple).

Paystubs are relatively simple, you just have to know what you're doing. First, don't use a made up company, because they usually check to make sure it's a real company. Go to the secretary of state website for whichever state you're applying from, and locate the part of the website that lets you search active businesses by name, and pick any active company. For small loans and credit cards, they usually don't call, so don't worry about that too much, but make sure to pick a company that doesn't have a public phone number, and on the application (if asked) for employer number just put any phone number you control. Then, go to thepaystubs (dot) com, and simply input the information they request and put whatever you want for the income amount, and generate as many paystubs as you need.

Bank statements are even easier, so long as you don't make common and easy to detect mistakes. You have to have an actual bank statement to use as a template, and what you're gonna do is stick it in adobe acrobat and go to edit pdf. It should font match automatically, and what you're gonna do is leave everything that same except 2 transactions, the account balance before and after each transaction, as well as the beginning and ending balance for the monthly billing cycle. The two transactions you're going to edit are going to be where you put the direct deposits in, to make it look like you're being paid bi-monthly. Make sure to line the dates up with the date you said you got paid on the paystub. What I like to do for this part, is copy the format of the payment on the bank statement from an actual direct deposit from an employer, just changing the date employer and amount obviously. What I mean by that, is get an actual job and set up direct deposit with them (or if you've had a job that paid via direct deposit, just go back and look at your bank statement for any month you got paid via direct deposit), and then look at your bank statement and see what the direct deposit payroll transaction looks like. Then, literally just paste the transaction description into your fake bank statement in adobe acrobat (replacing an existing one), and change the date, company name, and deposit amount to match your paystub. Then do that for the second direct deposit two weeks later. You have to make sure all the math adds up as well, or it'll be obvious it was edited. Make sure the beginning and end balances add up with the edits you made, make sure you're typing in every number correctly, and use a calculator to be safe.

Another thing you should take care of it meta/exif data. That's techy talk for "shit that shows the document was edited and more info you don't want to share". Most people talk about exif cleaners or whatever, but I don't really like that. Personally, I just print the paystub and bank statement, and take a picture of the printed paper. That way, there's absolutely no trace of editing whatsoever (if you did it correctly).

Being able to prove income is key in obtaining credit, and since fraud is basically obtaining credit under stolen identities, I'm not sure why more people don't talk about how to fake proof of income for loans/ccs. Of course, you also generally need proof of id and address documents, but I'll save that for another post (though I do already have some up that partially address both of those).

Finally, for some motivation, here's a cc I opened sometime in the last 3 months, using documents procured from exactly the method described in this post: https://dump.li/image/4c96345086d9b364.jpeg