Many people often write to us and ask how they can either get money from their ex, or basically, ruin them financially.
Of course, there are many ways to do this but almost everyone of them is illegal and as blackmail/extortion/etc are viewed as "serious" crimes we wouldn't recommend going down that route :-)
However, all is not lost!!!
One of our team, Dan, used to be a credit & fraud risk consultant working for various banks around the world and so has a deep and meaningful understanding of how the world of credit works....yhep, don't worry, we've all told him he needs to get a life!
Many of you are probably familiar with the fact that if you go to a bank or loan company and ask for a loan, they will check you out at one of the various Credit Reference Agencies.
So, if you've got a bad debt or a not so wonderful financial history, then these companies will know about it.
But, there's more to it than that and it's called a "Credit Score"
Basically, all of your credit information is condensed by some really nerdy number-crunching types into a single figure, called your credit score.
The credit score tries to combine 2 things - your payment history and your desperation for credit
And it's this last bit that you can expolit (cue evil, Hollywood sounding laugh)
Everytime you apply for credit - whether you get it or not - a "mark" is put on your credit profile. A small number of "marks" in a short period of time, is not a bad thing - you are shopping around for the best deal.
However, too many "marks" and according to the nerdy number crunchers, you're applying for credit everywhere and so this translates into "I'm really in the shit, I need money"
As a result, your credit score goes down (and way way down) and you are "flagged" as a no-hoper for anything up to 5 years!!! Of course, this is all wrapped up in a convenient little credit score so that if you ask to see your credit records, then you'll have no idea of this flag (but it does exist!!!)
So then, what does this mean for financial revenge?
Just apply for loans, credit cards etc in your ex's name - make sure that you use their details, don't try and get the money for yourself (that's illegal!!!)
And don't just stop at 1 or 2 loans - anything above 5 searches is deemed excessive, so go for 20, 30 or 100 and keep doing it over and over again
In virtually every magazine there is an "apply for a credit card/loan" application and I bet you get almost 1 application a day via direct mail
Use them - keep applying for credit, but put your ex's details down
Then, if you want to have some real fun, vary the information you put down.
Key triggers are time at address and income
Just vary these slightly from the real truth (by a couple of years and no more than 25% of salary), but not on every application
Because, as well as looking for too many credit applications, the credit score is often matched with a fraud score.
The fraud score checks for consistency - and if there's no consistency, then as far as the nerdy number-crunchers are concerned, the applicant is trying to "lie" their way to the money.
OK - just one more bit
Obviously, your ex will not know about any of this until he gets a phone call from the loan company asking to check some info. He/She will be pissed off but they'll think thats the end of it.
However, when they do come to ask for credit for a genuine reason - they'll be declined!!!
And what's more, as you keep applying for credit for them, month after month, this revenge tactic can last for years!!!!
And if that wasn't enough - many employers now check out their potential employees credit record before emploing them. So answer me this, would you employ someone with a horrible financial record???
Just one final warning though - DO NOT TRY AND TAKE THE MONEY - you are ruining their financial record, not trying to steal money!
I'm guessing that it would still be illegal but hard to prosecute unless you are friends with some cops willing to fingerprint all these documents and friends with a D.A. who is willing to prosecute.
Also I knew a guy whose wife declared him as dead to his creditors after he left her so when he applied for a lease on an apartment he was quickly declined.
oh wow timing couldnt be more perfect. My ex and I broke up over New Year (he kissed the *wrong* girl) and we are selling our home. Obviously, he'll want to buy a new one but by the time I've finished, no-one will lend him a penny
and Dan, don't worry about being a nerd, they're a lot sexier than you think ;-)
This is a terrible thing, absolutely horrible! I mean this is so bad that this particular gem should be one of the top 10 in the little bag of tricks in everyones vault. I mean I LOVE THIS, especially since this is "strictly for entertainment purposes only", I am sure, non the less, I love this.............brilliant.
Oh My Gosh!! I could kiss you guys!!! This is genius!!
Oh Dan a man after my own heart. I had thought about doing this as a nice little revenge tactic but decided against it last minute. Now kids if you're going to try this might I suggest you do those nice little online applications from an internet cafe out of your local area pref one with no surveillance devices and if you can get a trusted friend to do this even better!
Dan. Maybe I'm being a bit thick here but wouldn't my ex receive lots of replies to these applications and twig some mischief was going on?
Hi Anon - no, you're not being thick and yes your ex will recieve lots of replies...but this is part of the beauty.
You see, your ex will just think that this is a short term thing and not realise the long term effect.
Even if your ex complains to the loan companies etc, they cannot reverse the fact that they have undertaken a credit check - it's impossible.
So, your ex phones ABC Loans and says "that wasn't me" and ABC Loans will say "ok sir/madam - we'll scrap your application"...but they cannot remove the footprint on the credit reference agency and to be honest, in my experience, most call-centre workers do not understand how the credit scores and reference agencies work.
As you can see, this is a 2-pronged attack. Firstly, your ex gets lots of loan approval/decline letters in the short term, but the long term effect is that for the next 5 years or so (sometimes it's 7), they'll be screwed when they genuinely require credit or a financial reference for employment :-)
Excellent. I will give it a try however my ex has now retired, deals in cash, and rents his house. Is there a similar rouse I can do to him?
dan isn't this something you could sort out for us for a large fee!!! After all you have all the know how and would never be traced!!! Think about it. pleeeeeeease
couldnt they trace this back to me? he always thinksi do everything to him anyway
regina gutierrez, that's why you hide your IP ;)
I'd love to do this so much!! Is it absolutely positively legal, though? Including in the UK? Just checking before I get started ;)
question - won't you need a ss # to fill out the application?
can this be done online? I've never applied for credit, so i know nothing about it...
You can apply for credit cards online if you know your ex's bank details, this is essentially the same as applying "for credit", Dan pls correct me if I'm wrong here?
Ok, next question - does this "flag" apply to all countries.
For example, if someone is working long term overseas and they apply for credit, will the flag be reflected in their home country as well?
Just found this site, it's exactly what I been looking for. I was married for 15yrs and know all the personal info by heart, including ss#. Thanks
But sometimes.... your ex will go to the authorities with their suspicions that you were the one to do this mischief, and the next thing you know, the cops are asking you questions. And then your ex puts a security freeze on their credit report so you can't have any more fun. :(
I like this idea for others but my XXX is a loser, IV drug user. He has no credit to speak of anyway. I wouldn't want to jeapardize myself just to get revenge on him.
Thats the shiznick! I'll have to try that one.LOL
Oh this is BRILLIANT! Ha ha ha! I can't wait 2 start!
please explain it more clearly how someone can use credit card of someone by applying creid loan please give an example
please explain it more clearly how someone can use credit card of someone by applying creid loan please give an example
I do not have & ex.But someone is takeing me to court.For damages I did not do.A real asshole from the UK Areal snuety prick.
OK, great idea, my ex boyfriend married a "Sugar Momma" just weeks after dumping me, and we were together for 4 years, I took him to work, took care of home, paid the bills; you get the picture, anyway, isn't the credit of "Sugar Momma" ruined too if the applications are done in his name only, hers is ruined bec of they are now married?? Is this correct?? Why not get 2 with one stone?
o my god im going to try this it sounds great,my ex here i come....
could you pls explain in detail through an example
by using ex's information in return company will ask him
how does it work
will i apply for loan or credit card online and anywhere in the world
by using his details and after that what will happen
should i hide my ip address
is this just a us thing, or would it work in canada too?
Hi, im looking at this and wondering as we still share the house etc...altho he has moved out if i do this in his name only will it affect my credit rating too? Should i do all applications at address he is currently staying rather than the marital house? Thanks
oh this is so good. i'm off the the local internet cafe. mwhahahaha
heya this looks great,
sorry to be stupid
am curious though if my ex says to the company sorry I didnt apply for this wont they then look into it as its a false application/fraud and they'll want to stop whoever it is trying to get their monry?
though I suppose if its all in their name to their address etc they wouldnt look into it?
I also had another evil thought about this. You mention that we probably get loads of these applications in emails etc. I was told a lot of these applications you get via emails are scams to steal your money/identity. What if you click on these links and instead of filling your details to get credit but fill in yours exs details to get credit. That way thats opening a whole big can of worms for your ex and its very unlikely it will lead back to you.
obviously i would hide my ip etc on my computer but say I apply for credit for him in a bank/agency or whatever in another country will it still flag up on his credit report or is it different in different countriees like someone else said?
if you apply for credit for someone else arent you entering a contract with them or is that after they offer it to you?
Sorry for being so stupid I just want to make sure if I do it (which i really want to) then theres no comebackf or me as i cant afford it.
on line now trying this out
Is there any way to hide your IP for free?? what does it actually mean i mean is it easy for some one to trace ypu through ur IP , like using and ordering services from this site for example , my ex just happens to have finshed traing as abody guard and is now going into private investigating, fair to say tracing things wont be too much an issue for them??
I would prefer to fill out online applications but am afraid of IP address and to comment about fingerprinting just wear gloves for the entire process all the way to the mailbox and I would use a mailbox in their town too for processing... just in case
By the way I forgot to add I am going to screw the F*** out of this B**** with this brilliant idea. If anyone can answer is it safe to fill out these applications online or is is safe to use my cell phone internet access? I would think handwriting can be traced.
Love the idea
if i can get away with it online...i would be doing it..
This is brilliant. The best way to get payback is financially.
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