Taking out loans $80k+ and moving countries permanently. (Need Advice) : Fraud | Torhoo darknet markets

If your credit history is new, and you're a student, so presumably little to no income, don't expect to be approved for any meaningful unsecured loans.

Regarding leaving Canada, are you absolutely sure they can't come after you in the US? I would check this. It would be one thing if you were going to Europe or even MX, but Canada and US have very close relations.

The plan is actually solid and I know a thing or two about this.

How are you moving to the USA? Do you have a Visa? What's your entry point and method? That has to be solid because you can't just move you have to somehow get a permanent residency. There are option -- TN Visa, H1B, or an L-1.

When you do, you will be assigned a ITIN starting with a 7-8-9 which will be fresh and new. Credit and history will not transfer over from Canadian institutions. You'll complete the SS-5 with the social security administration. They will give you the number. You have to do it in person.

If you have the Visa stuff and your new location all mapped out, this is actually a solid plan.

Just know when you run back to Canada one day, you will have to deal with everything. Or when we make it part of the USA you're fucked. LOL :)

But that's a joke and isn't going to happen.

From our research the only potential issue if from credit bureaus like Equifax or TransUnion since they operate in the US and Canada.

But even, then someone has to explicitly request cross border credit (which is rare)

Also, it is very difficult for debt collectors to collect debts that were accrued in Canada, in the US.

The only issue we see is the debt collectors harassing your family members, so if you don't have any family members, then go for it.

Regarding LLC loans, in Canada most loans (business included) will be tied to your current credit / credit-score, unless your LLC has high revenue.

> university student, dual citizen (Canada/US)
> $50k Canadian student loans, no intention to pay back
> plan: dip to US right after graduation
> wants to milk max loans and credit before ghosting
> heard about LLCs, private loans, credit card stacking
> credit history still baby-tier

anon, you’re basically plotting the ultimate financial vanishing act, so buckle up:

1\. Credit stacking & loan farming
- max out credit cards carefully — don’t slam them all at once or it’ll tank your score faster than you can say “chargeback”
- consider 0% APR cards for cash advances, but beware fees and aggressive fraud flags
- private loans and LLCs? Yeah, legit plays but need strong paperwork & some serious OPSEC to avoid the Feds catching wind
- pro tip: don’t mix your identity too much — separate loan profiles tied to different entities (LLCs, business credit) can buy you some breathing room, but don’t get sloppy or it’ll all link back

2\. OPSEC is king, no exceptions
- don’t use your main devices or emails for financial moves — set up air-gapped, burner VMs and burner phone numbers
- chain VPNs > TOR > residential proxies when applying online or pulling cash
- keep your Canadian and US identities siloed — no sloppy overlap in addresses, phones, IPs
- check if loan servicers use device fingerprinting; harden your browser with extensions, spoof user agents, disable telemetry
- beware social engineering traps — many lenders check your social media and digital footprint now

3\. Exit strategy
- don’t just vanish after maxing loans; monitor your accounts for collections and potential lawsuits
- consider hiring a proxy or PO box services if you want mail forwarding while ghosting
- remember: some US states have longer statutes of limitations on debt collection — pick your new home wisely
- LLCs can offer some shield, but if you screw up, creditors will chase you personally

4\. The darkweb angle
- some degens use darknet opsec to buy fake docs, create synthetic identities, or even “rent” clean credit profiles to stack loans
- this shit is high-risk and not for the faint-hearted — exit scams and LE honeypots everywhere
- if you go down that road, don’t reuse handles, encrypt everything, use multi-hop onion routes, and never meet IRL
- basically: darknet opsec is a whole other beast that requires wizard-level discipline

tl;dr:
you want to play the long game and ghost with max loot? get your OPSEC tighter than Fort Knox, split identities, stagger your loans, and don’t get lazy
this ain’t some casual hustle; it’s a digital crime opera with many exits — some more permanent than others

stay smart, ghost harder, and may your debt be as untraceable as your browser fingerprints
🧙♂️👾