ULPT I edit pay stubs and bank statements. AMA

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Western_Field_4239@reddit

What is the best way for me to reach you ? I need 2 months of BK STMTs?

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Are you able to make them with info I provide you? & how much would it be? Ive been trying to rent a new place for my daughter & myself. After a decade at our place we have to move and they nearly want your dna & blood type now!! Ive been looking for 5months denied at every turn! Are you able to please help ? Thanks kindly!

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Far-Acanthisitta-448@reddit

ULPT - if you really want to make the big bucks, find someone running a Ponzi scheme. They will pay way more for quality work.

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NotThatEasily@reddit

I know a guy that went to school to be an accountant, ended up becoming a carpenter, then helped his boss with the books. His boss recommended him to a friend that was doing illegal betting and now, the guy I know, is making a metric fuck tonne of cash helping a few people hide income.

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crawliesmonth@reddit

I had an old boss threaten to tie me up, pour gasoline on me, light me on fire, and kick me down two flights of stairs if I didn’t cook his books.

I declined. He hired someone else to do it. But I saved his books for the feds. He went away for a few years and came back sober.

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brixowl@reddit

Did you work for Ryan Howard from Scranton?

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Hairy-Obligation1206@reddit

😂😂😂

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allrico@reddit

Sure sure sure

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distortion-warrior@reddit

Now this is truly valuable work. How does one hide income? I don't like my day job, I sling numbers for the man all day which is cool but the bureaucracy is soul crushing. I could totally see this being in my lane.

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Amazing_Yellow_7536@reddit (OP)

creating companies overseas. offshore accounts. trusts. creating a company where you live and then making it broke on paper etc etc

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rootchakra111@reddit

I need your help. Just DMed you

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CarnegieFormula@reddit

Tax loopholes holes and laundering too?

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super-wookie@reddit

First you get have to get falsely convicted of killing your wife. Then you meet a kindhearted inmate with the voice if God. THEN you have to get targeted by the prison assholes and then pretend to get forced to do the books for the evil prison chief. But here's where it gets really good... you get a poster, and a small hammer...

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nonstop158@reddit

Don’t forget the warden’s shoes.

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Ronw1993@reddit

This lives in my top 5 of movies.

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RusticBucket2@reddit

BROOKS WAS HERE

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2Roam@reddit

This is the way.

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SpicyTrichocereus@reddit

Sell “art” claim income and pay your taxes. Don’t hide it.

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RWhatIWant2B@reddit

I feel I’m going to see this character on Netflix in a year or two.

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Far-Acanthisitta-448@reddit

Better call Saul of accounting?

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donDanbery@reddit

More like Ozark

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waetherman@reddit

That show was so good right up to the end. Except the end.

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Far-Acanthisitta-448@reddit

Yesss!

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mlw209@reddit

So true. And no one wants to go into accounting. Today is becoming a golden age for excel monkeys. Our late stage capitalism corruption has created the best exit opportunities for professionals in financial management since Colonialism. From cartel/organized crime accounting to greasing the books for this contractor. To say nothing of the racket running at non-profits. Anything goes.

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vreo@reddit

Oh man, this is the background story of so many TV series. Ozark, Reacher etc

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Ok-Traffic-3929@reddit

can i hire you to edit bank statements for loan

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Fit_Ad154@reddit

I take it you’re not a kind hearted criminal who does it for free.. what kind of money is involved? Case by case?

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Amazing_Yellow_7536@reddit (OP)

Lol 😂 No I dont do it for free unless it’s my close friends. Money is case by case. Depends on the scope of work. Paystubs are quick and easy. Bank Statements if they are 2-6 months start around $250ish. Anything above that depends on the case. The really tedious and time consuming task is editing and adding up all the transactions down to the cent so there are no discrepancies. With 6months that’s thousands of transactions.

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Caliboyissac@reddit

I messaged you.

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who_farted_this_time@reddit

Would it not be quicker to just copy the person's name and account number onto ones that already have good numbers?

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bored_android_user@reddit

Seriously, this dude is wasting all his time editing numbers when he could have just a few templates at the ready. Work smarter, not harder.

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Amazing_Yellow_7536@reddit (OP)

That doesn’t work as people have specific requests for income and expenditure so whatever balances are on that template, the second a client wants a different income, all the other balances are invalid. Never mind that all the dates would be incorrect, unless I leave them empty, which then - putting in 1 thousand dates aint no fun either. Cutting corners never works.

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Business_Cat_7558@reddit

Hey man cant message you and need some business ones made for 3 to 4 months asap.

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Odd_Law_8392@reddit

are you still doing this? I need business bank statements

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MitsuSosa@reddit

With the use of AI nowadays I’m sure it could eventually be caught this way if several people start submitting the exact same documents just with different names and addresses. It wouldn’t happen right away but if the guy is doing it for years eventually that can get detected and screw over whoever paid him. It’s tedious work, but cutting corners is what gets people caught and there goes the business.

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Amazing_Yellow_7536@reddit (OP)

the fact that all of you think it’s that easy is the exact reason all of you get caught lol.

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New_Contribution5387@reddit

Hey - how can I reach out to you? I'm interested in your service but I can't DM for some reason.

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0KOKay@reddit

Time to automate the numbers with macros or excel functions.

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ICantArgueWithStupid@reddit

Oh shit yo you heard they got these spreadsheets on these computers that can do the adding for you?

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new-user12345@reddit

I don't think that saves much effort. You are trading off the math for a whole lot of tedious extra copying over of number. And one small typo would throw off the rest of the spreadsheet

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tallayega@reddit

How does this have so many up votes? Does no one know how to use excel?

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Nytfire333@reddit

If you are copying it manually you need to work on your excel skills. Can import data from an image pretty easily

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Fun_Intention9846@reddit

OCR-optical character recognition.

Take a picture and the computer accurately fills in all the numbers. It’s like magic.

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Due-Ad1337@reddit

Isn't OCR proprietary and expensive?

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Fun_Intention9846@reddit

Nope. Specific programs are but many do that feature now.

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Fun_Intention9846@reddit

This is how I did a huge chunk of my history degree research at university. Scan a few thousand pages of microfiche every source, OCR by keyword, and months of research took like 2 hours.

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ShrimpSherbet@reddit

Or take a screenshot and feed it to ChatGPT

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doingmyjobhere@reddit

You can export Bank Statements to excel or csv, that's not the point. The client gives a 6 month statement of income $500 and spending $500 with different transactions. He has to change the income to $3000 and add transactions that add up to $3000. You can't just change the numbers and make one can of beer from $5 to $150...

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Nytfire333@reddit

Understand, he mentions making sure it all totals up correctly, using a tool like excel makes that easier. Still takes time for sure

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Sliderisk@reddit

The amount of people here who can't understand accountants do this shit literally more than full time is insane.

You tally up the numbers, all of them, even the ones last month. It's crazy right! Some people do this 10 hours a day and make well under 6 figures. It's kinda annoying busy work that society relegates to the least ambitious people who can't swing a hammer but can still sit and read a screen. We call those folks bookkeepers, if they go to college for it they can be accountants. There's so goddamn many of them the pay sucks.

Making sure all the transactions on a bank statement total the balance is kinda child's play if you have even a little training and attention span like OP.

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userisaIreadytaken@reddit

or maybe could ask the customer to download and send them and excel file of the transaction history through their bank’s website

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new-user12345@reddit

I guess you found your new side hustle 🤷‍♂️

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Amazing_Yellow_7536@reddit (OP)

lol, the problem with that is that if even 1 transaction amount changes, the entire bank statement balances thereafter change. So it’s not just copy pasting numbers into excel.

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gapipkin@reddit

What people are saying is that you can easily import an image or pdf into excel and it will change it to the needed table automatically. No input needed.

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doingmyjobhere@reddit

Yeah but he is saying he adds transactions. You cannot change the price for a can of beer from $5 to $150...

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redittr@reddit

Bank statements dont list individual items and their prices, only the total from the transation. So while you cant change a beer from $5 to $150. You can change the transaction from a $5 beer to 5 cases of wine by just changing the dollar value.
And excel does sums too.

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sirgog@reddit

You need to be really careful. Like in Australia, you have a transaction at Ampol for $120 - someone will look at that and think 'filled the petrol tank and it was expensive that day'

Transaction at Ampol for $350 though? Yellow flag, maybe even red, unless you drive a vehicle with a massive fuel tank, like a ten ton truck. (I know Americans call open cab vehicles like the F150 trucks; here I'm referring to vehicles that have a closed cab that fits ten pallets, the only type of vehicle we call trucks in AU).

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ICantArgueWithStupid@reddit

Basic lying 101... make sure the backstory always lines up.

But yall are all upside down there in australia.

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ICantArgueWithStupid@reddit

"And excel does sums too."

Oh shit yo you heard they got computers now that do sums too?

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Not_Indoril_Nerevar@reddit

=sum()

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JoxerBoy07@reddit

Nah even basic excel users will know how to mitigate this with 0 errors

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ICantArgueWithStupid@reddit

Screw basic excel I can just tell ai to do the excelling for me.

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DanfromCalgary@reddit

This criminal needs non criminal advice

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foresight310@reddit

“To the cent, I say!”

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KH10304@reddit

You really should be using indesign data merge for this, then that part would be trivial

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Beautiful-Event4402@reddit

Lol you know chat gtp can do that for you now, just take a pic and ask it to add up the list for you

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Prestigious-Bar-1741@reddit

ChatGPT would absolutely screw it up.

It would be trivial to write a program to do it, but this is not a situation where a LLM is what you want

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lifethusiast@reddit

Wrong. AI models can’t actually do math.

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Beautiful-Event4402@reddit

Okay but they can read an image and convert the image numbers into text numbers

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Amazing_Yellow_7536@reddit (OP)

I tried that and the bot fucked up! It gave me different totals 3 times with the same numbers. It was over 5k transaction amounts so probably too many to process at once.

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ScarCertain8376@reddit

I messaged you! Need help asap

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briannaulewicz@reddit

They work for loans for mortgages?

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Xobrebabe91@reddit

I need

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Stock-Equal-4363@reddit

Just hmu.

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4kitall@reddit

How do we contact you?

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Stock-Equal-4363@reddit

Message me!

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boomcheese44@reddit

hey, did he help you?

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Amazing_Yellow_7536@reddit (OP)

DM

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Amazing_Yellow_7536@reddit (OP)

DM

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Charming_Ad_4509@reddit

Sent you a message

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Stock-Equal-4363@reddit

Can you send me a message?I will check it out sooner.

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wolf359z@reddit

Can you for the U.K. too

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Stock-Equal-4363@reddit

Hi,yes I am available to make paystubs for you. Inbox or telegram: @Shark_force01

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whoisjaydavis@reddit

Are they Snappt verified?

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Stock-Equal-4363@reddit

Yes, just dm!

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Stacytothesmith@reddit

There are so many programs that do this for you nowadays.. I make receipts and documents as well, started with scanning a real Walmart receipt in Adobe and matching the exact formatting and fonts and just writing the items I or my friends wanted to steal. I would go to Walmart and write down the make, model, price, and barcode numbers of whatever televisions didn’t have security tags on them. And I would make several receipts for each, with a few extra items like a soda or candy or something. And I would put the time that I planned to go there. Printed them out onto a real receipt paper roll and went and put the TVs in my cart. Went through self check out and bought the soda, pretended to scan the tv.. walked past the greeter/checker and showed my receipt and walked out the door. Have a nice day. Sold them around the holidays and then stopped. But now there are things like Expense Fast, which has a template for every store you can imagine, Lyft, Uber, etc… where you just input your info and it generates it for you.

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BKayTheGreat@reddit

I don’t think you’ll get away with these days. Walmart has a shit ton of cameras tracking you throughout the entire store. They will pick up on the fact you are stealing televisions for sure and they’ll wait you’ll you’ve stolen a felony amount to have you arrested.

If they also find out about the faked receipts you’ll be especially cooked

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666Blonded@reddit

So just go to a store decently far away that you won’t go to again

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BKayTheGreat@reddit

lol. Walmart, target, all major retailers have profiles on people who shop there that are shared among their among their respective stores. Especially on people they’ve flagged as potentially stealing thousands of dollars of merchandise

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Jarek86@reddit

How would they track him? They have no paper work and only his image on their cameras. He could go two states over after waiting a month and do it at another Walmart. Im pretty sure security wont be looking for this specific guy...

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bob_dabuilda@reddit

They can use cameras to track the individual around the store until they go to checkout. The person said they buy some small items, so if they're using a card, investigators now have an identity.

Also, they can use cameras to track the individuals to the parking lot and get license plates.

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BKayTheGreat@reddit

Traveling two states a way to steal a single television would probably not provide all that much profit after you account for gas and the hours spent traveling.

They don’t need paperwork… they have a database of these flagged incidents that the respective Walmarts can effortlessly share with each other.

If OP of this thread isn’t just bullshitting, they will be caught if they keep doing this

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Jarek86@reddit

Not for the longterm unless they were setup on 2-3 state lines. But for a quick buck or a needed appliance even doing this once and just never going back to that specific business, they would get away with it. So anytime you need a new tv, laptop, or other appliance that costs hundreds and lasts for years their not catching you.

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Izacundo1@reddit

This is all just a rumor lol

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BKayTheGreat@reddit

It’s not really. We know for sure that Walmart and other retailers have tons of cameras tracking everything going on in the store and are using AI to try to detect theft. (How reliable it is, is up for debate)

Whether or not they have an official policy of waiting until you steal a felony amount of items to prosecute you seems to be more anecdotal, but there several court cases where this seems to be true, with Walmart having video evidence of many instances of theft over a long period of time.

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Izacundo1@reddit

Ok I’ve been looking for any evidence for a long time. What court cases are you referring to?

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redumbdant_antiphony@reddit

Unless you are paying cash at the self checkout, they will know who you are. I'd even get money they have a cell phone sniffer there and track who is where in the store.

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Po_Buckra@reddit

All the Walmart in town only allow debit at the self checkouts. I suspect it is part of the "building a profile" effort.

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Stacytothesmith@reddit

Yep I always only paid cash.

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Stacytothesmith@reddit

I did MOSTLY hit different Walmarts outside of my town and never the same one twice… but the one in my town I got too confident and was doing it almost every day… and they DID catch on. They had my image on video and one day my friend who I was also making receipts for texted me and said “DO NOT COME HERE if you were planning to…” They apprehended her and took her in the back and said we’ve been watching both of you for a while. The total we had taken amounted to over $10,000 at that point. They told her “we only want your friend, just give us her name and you can go.” But my friend wouldn’t give me up. They took the charge for what they themselves were on camera taking, and went to court and got community service. I NEVER went anywhere close to that store ever again and this was about 7 years ago. But that, ladies and gentlemen, is a true ride or die friend!

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zXerge@reddit

Walmart doesn't fuck around. They will spend the money/let you steal until they got you. Thieves always return.

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Stacytothesmith@reddit

Yeah that’s exactly what happened. Except I had never tried anything like this before, so the more I got away with it the more I assumed I was getting away with it lol. I started taking 2 at a time, 55 inch smart TVs every day, just walking them out to my car. And I hit in plain sight so to speak, because if you look like you’re not doing anything wrong they usually won’t notice you. But I made “friends” with the regular workers that manned the area between the self check outs and the door, checking receipts. I struck up conversations as they looked at my receipt… and since it was the holidays my story I told them was “Yeah my non profit agency sends me here to get the gifts that we donate to families for Christmas, everyone needs TVs this year apparently!” Made a joke out of it. And so when they saw me every day “buying” more they didn’t question it. They actually would say “back for more huh? This is such a great thing that you’re doing for people!”

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Amazing_Yellow_7536@reddit (OP)

this is genius 😂

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Stacytothesmith@reddit

Thanks! It was a great run while it lasted! We were flipping TVs on several different “marketplaces” lol, 32 inches for $50 bucks, 40’s and 50s for $100, and a few 55’s and 60’s for $150. We did it between November on Black Friday up until Christmas Eve when people were looking for any kind of deal so it was easy. Thankfully no one ever caught on to the reselling part. Getting caught by my town’s police and flagged was bad enough, but if they had evidence of mass selling them I’m pretty sure those would have been more charges. But I deactivated everything and all my accounts the day they caught my friends and we knew they were on to us!

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MaloneSeven@reddit

Wouldn’t the security buzzer go off when going through the exit because the barcode on the stolen tv wasn’t scanned?

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dagget10@reddit

Ex-employee here. For things using the classic strip security thing like dvds have, it'll most likely go off. However, most of us are aware the thing that deactivates them is in the scanner itself. If you legitimately scan dvds with a scan gun, it'll never deactivate, and will beep anyways.

Tl;dr: yes it'll go off, no we don't care because we assume it's a false positive. That thing has a higher than 5% chance to go off from a customer just walking into the building

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Stacytothesmith@reddit

Exactly what they assumed! And having a receipt with the exact product I was taking helped them assume it was a false positive!

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8BitFurther@reddit

thank you for tl;dr I didn’t have time to read that extra sentence lll

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Stacytothesmith@reddit

Exactly what they said 👇, the buzzer would only go off if it detected a security tag, which I tried making sure the ones I took didn’t have one. Whether it was the ones they wrap around the whole box or the small white strips hidden inside the box, I looked pretty well. Once in a while I did miss one, but when the alarm went off I calmly walked back in, flashed the receipt, and the employee just waved me through. They get paid so little I was convinced they just didn’t give a shit!

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The_F-ing_FCC@reddit

The buzzer doesn't know if you scanned your barcode. The buzzer is looking for a tag/wrap/device/thingamabob on the item that wasn't removed during purchase.

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Ok-Delivery216@reddit

This guy knows his stuff. Wow.

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Stacytothesmith@reddit

Girl haha! And thanks… I wish I knew how to use my skills for good and not evil lol. But my thinking at the time was fuck huge corporations like Walmart. I saw it as Robin Hooding. I would never do this to a small business or mom and pop store.

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MzBrantl3y@reddit

Can you help me inbox me please

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Holytoledo2069@reddit

Capitol one is asking me for proof of income with a bank statement, otherwise they will restrict my card. Can I use your service for this?

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Amazing_Yellow_7536@reddit (OP)

sure. dm me

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rootchakra111@reddit

Do you have a service price list?

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Canadalivin17@reddit

What software checks?

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Amazing_Yellow_7536@reddit (OP)

Companies nowadays, especially for cars, renting and mortgages use software to check the legitimacy of the document. Like metadata, font discrepancies, uneven formatting. Things that arent easily visible to the human eye.

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HeadStartSeedCo@reddit

What are your tips to do this? The real ULPT is always in the comments

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mr_scoresby13@reddit

i'm guessing printing then scanning

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Amazing_Yellow_7536@reddit (OP)

no

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Minute-Many-1775@reddit

If you wouldn’t mind, could you elaborate a bit more on how we could get it past the software checks. What would be the best way to remove the metadata from the PDF of the paystub we download and intend to edit? Just wanting to make sure AI isn’t sniffing out the discrepancies.

Happy to DM if you’d prefer. Thanks!

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Amazing_Yellow_7536@reddit (OP)

yeah dm is cool

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rootchakra111@reddit

Hey I just DMed you!

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mr_scoresby13@reddit

can i DM you as well
i would like to learn

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boomcheese44@reddit

hey did he help you?

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ConsistentCampaign24@reddit

Send the image to a random celebrity that will never open the DM on Facebook, then save that image.

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deadadventure@reddit

Just search up metadata removers online, plenty of them.

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Business_Pangolin348@reddit

how to get in contact?

I tried DMing doesn't work.

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Amazing_Yellow_7536@reddit (OP)

the most important thing is to remove all and any metadata from your PDF. It’s better to send a file with no metadata (I add it manually afterwards though) than to send a file with metadata that a software can see is edited. Even if you use one single letter in a 20 page PDF that is a different font than the rest, something that the eye could never detect, the fonts get embedded into the data by the systems. So a software check would show that there are irregular fonts and the people would know you messed with the file even if they couldnt point out where. This way you can bypass any AI check.

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Bretttttt@reddit

How do you match the font?

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deadadventure@reddit

Use the same font as the pay stub.

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Bretttttt@reddit

How do you pick the same font though ?

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long-lost-meatball@reddit

Fonts are frequently embedded in the file

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Bretttttt@reddit

So how does one see this?

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long-lost-meatball@reddit

https://stackoverflow.com/questions/3488042/how-can-i-extract-embedded-fonts-from-a-pdf-as-valid-font-files

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_zurenarrh@reddit

Following

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blondebia@reddit

That's not all they are checking for. I was a funder for years and looked at thousands of poi and can just glance at a deal and tell if it's fake. I guarantee I could look at whatever you are doing and point out a discrepancy.

I always joked that I could start a business like this with the actual verbal verifications that are done from the lender. But I'm not trying to go to prison for fraud and whatever bs charges they would put on someone doing that.

Be careful. Some lenders are going after applicants who submit fake docs now.

[-]

Dom9360@reddit

Mortgages, yes. Cars, nope.

[-]

Efficient-Pack3657@reddit

Messaged you

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Glittering_Elk8829@reddit

Are you able to do small business income bank statements? Quickbooks profit and loss statements?

[-]

Aggravating-Gap-7019@reddit

Hey bro I need to edit my bank asap if u still do it what’s the cost?

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Relative-Phase-7641@reddit

Need help pls

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ClaimNervous907@reddit

More and more lenders don’t ask for pay check stubs anymore. They verify income from 3rd party sources that an employer sends authentic information to. 99.9% of check stubs and bank statements are hack jobs. My last job was to detect POI fraud. From the thousands of fraudulent documents I examined only 2 were what I would refer to as “good.”

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T4ZR@reddit

That's because the only fraudulent documents you got to examine were the bad ones, while the good fakes went undetected

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ClaimNervous907@reddit

Not true at all. If there was a sliver of “hmmm” it got flagged. Lots of safeguards in place to sniff out this garbage. The real crime here goes to the victims who pay for this stuff and then get told they’re fake when they try and use them.

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Amazing_Yellow_7536@reddit (OP)

I pretended to be a director of a leasing company and bullshitted my way into a 1-week demo at one of these high-tech “we catch any fake documents” companies that a lot of landlords are using. I could tested my work in the system directly. 2 years, not a single issue.

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toolsavvy@reddit

You're not a very good bullshitter but good enough to fool 90% of redditors so that's pretty good.

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kerouak@reddit

Are you able to explain the sort of checks they made. If the docs are printed and look identical to originals I'm confused what sort of "checks' a company could do.

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ClaimNervous907@reddit

The easiest way is to verify employment and income from a third party service like “The Work Number.” A lot of larger companies use verification services like this and we subscribe to it. If the information on the application didn’t match what was listed on “The Work Number” for example, we would ask for proof of income. Our system would “flag” the application and we would request additional verification of the customer. If someone worked somewhere that didn’t use a third party verification we took a different path which included searching Google for the work place address to see if it was legit as well as Secretary of State business registration to name a few.

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kerouak@reddit

Interesting. I'm fairly sure this would be illegal in my country (UK). It must be a violation of GDPR too.

Working for small companies I guess you might be exempt from this too.

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ClaimNervous907@reddit

Making, selling and using fraudulent pay check stubs is illegal. A person from my hometown plead guilty to making and selling them and is now facing up to 20 years in Federal prison. I don’t think they’ve been sentenced yet…

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PressureSufficient10@reddit

White collar crimes are never a long sentence

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kerouak@reddit

Are you replying to the wrong comment?

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ClaimNervous907@reddit

Its legal in the US because services such as “The Work Number” comply with the FRCA (Fair Credit Reporting Act). “The Work Number” can sell information to third parties as long as they have permissible purpose to request it.

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kerouak@reddit

Dude I know you're repeating yourself. Are you a bot or something?

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ClaimNervous907@reddit

Sorry-just trying to be informative and thorough.

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AvaAloy@reddit

But you can also FREEZE your income info at The Work Number, just like you can for the 3 credit bureaus.

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BirdFragrant6018@reddit

You can, then they come back to you asking to unfreeze. Then what?

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AvaAloy@reddit

I was only stating a fact. When people are dishonest to any entity, then all of the honest people get screwed. That’s another fact. Higher interest rates etc. Lenders/financial institutions have to create some type of fund for the times when they have to come out of pocket for fraud. However, during the mortgage meltdown, the lenders were able to write off their losses and then sell off that debt to debt collectors to now come after people. So who knows!

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emufossum13@reddit

That’s a Mr. Robot level ratio right there

[-]

inaccurateTempedesc@reddit

Okay you are fucking serious

[-]

Allteaforme@reddit

I just DMed you my social security number so you can get started on making these documents for me! Thanks in advance!

[-]

Allteaforme@reddit

how could you possibly know that fake documents didn't get past? Maybe fake documents with no sliver of "hmmm" at all got past and you would never know. You've got some major arrogance going on there for somebody who claims to be nervous 907 times per day

[-]

ClaimNervous907@reddit

Arrogance is claiming fake documents have a 100% success rate and touting even the OP wasn’t caught. We had numerous safeguards in place to catch these. I’d scan and upload a suspected stub and match it against thousands of known legitimate and fraudulent ones and have a “pass or fail within a fraction of a second.” Most stubs never make it past the eye test but all were verified by numerous tests. Any large(r) bank or lending institution can regularly verify POI without a stub. If you’re getting a loan from Ma and Pa XYZ business, they won’t catch it and would never care as long as payments are made. For big(ger) banks fake documents are rarely used for reasons outlined in this thread i.e verifying wages made from gig work or cash income. Instead, fake stubs are used fraudulently by people who don’t work and really have no intention of paying the loan back hence the “life hack.” Try getting a car loan or mortgage from a large lender with fake stubs and see what happens. I really don’t care if someone uses them or not. My point is and was to be careful if you choose to because the “house” has the edge.

[-]

miraculum_one@reddit

The major payroll companies will verify numbers for you. You give them the paystub number and one of the amounts and they will yes/no it.

[-]

kerouak@reddit

I'm confused, every company I've worked for provides payslips that looks totally different to each other. There's no consistent standard. If it's a small company it's extremely unlikely any database would have that companies on record. And beyond that, it's very easy to make documents that look identical with numbers changed. Confused how that system would work... Or is it different in the states? I'm fromUK.

[-]

ClaimNervous907@reddit

Here in the states most large(r) companies submit payroll information to a third party which banks subscribe to. Our “system” has all of this information loaded into it so when an application comes to us the income information is scrubbed from our database. If we have a “hit” or “match” and whats listed on the application matches what the third party published, all is well. If your job is small(er) and does not submit payroll information to a third party then we roll our sleeves up and examine the check stub a myriad of ways versus other known data sets.

[-]

Present-Perception77@reddit

Bancorp pulls your taxes from the IRS. Zillow verified nothing.

[-]

ClaimNervous907@reddit

Yep-signed form 4506-T

[-]

Allteaforme@reddit

You said all fake documents were caught, you arrogant and silly guy

[-]

7thAndGreenhill@reddit

I sold mortgages pre 2008. I can’t recall how many loan officers I saw get fired for doctoring pay stubs but not thinking to adjust the taxes/deductions. But it was a lot

[-]

Durmyyyy@reddit

pre 2008 things were wild

[-]

7thAndGreenhill@reddit

Craziest loan I ever sold was a 2 year adjustable, interest only for five years, with a 5 year prepayment penalty amortized over 30 years. Guy told me he wanted the sleaziest loan i could sell. All he cared about was a super low interest rate. He had terminal cancer and assumed he would be dead before the first interest rate adjustment.

[-]

Jack_Bogul@reddit

Did he die

[-]

7thAndGreenhill@reddit

I assume so but I generally never spoke to clients again after.

[-]

Zenabel@reddit

What about freelance income from cash apps?

[-]

ClaimNervous907@reddit

In my world it came down to credit worthiness. People with scores generally above 650-700+ who had recent or open paid as agreed installment credit usually didn’t need proof of income. If we did require proof of income we would consider Uber, Lyft, or DoorDash income for example along with 3 months of earning statements.

[-]

Amazing_Yellow_7536@reddit (OP)

That’s interesting. It has worked for me so far.

[-]

Beneficial_Walk3086@reddit

Hello can you make them?

[-]

rahira92@reddit

I messaged u

[-]

RonaMara@reddit

Hi, just sent u a msg!

[-]

Chemical-Path-9276@reddit

Can they be used to file bankruptcy?

[-]

Chemical-Path-9276@reddit

How can i get statements?

[-]

xMsPlushx@reddit

Hi, I tried to message you about having something edited but it won’t allow me to.

[-]

angelssuckk_@reddit

can’t dm you, can you dm me?

[-]

thethrowawaylocker@reddit

Sent you a DM with a question

[-]

Far_Play_6440@reddit

hi does this offer still stand

[-]

Business_Cat_7558@reddit

Hey man cant message you and need some business ones made for 3 to 4 months asap.

[-]

Cakebytheocean111@reddit

I’m desperately trying to message you but my account isn’t old enough I need help

[-]

Signal_Map_3486@reddit

I need bank statements done asap

[-]

nagra142@reddit

Dm me

[-]

Xobrebabe91@reddit

I need

[-]

boomcheese44@reddit

hey did he help you?

[-]

Amazing_Yellow_7536@reddit (OP)

dm

[-]

New_Contribution5387@reddit

Hi - can you send me a message? I'm interested in your services.

[-]

New_Contribution5387@reddit

Can you send me a message? I'm interested

[-]

Banana-Up-My-Bum@reddit

What’s your editing software of choice? I once edited a document using Microsoft Paint and it fucking worked rofl

[-]

Amazing_Yellow_7536@reddit (OP)

For editing, Adobe PDF. Makes sure you get the formatting right to the millimetre

[-]

Shirkaday@reddit

Yup, Acrobat and sometimes Photoshop for me.

My favorite one was falsifying a registration renewal to get my car out of the NYC Marshal’s impound lot.

Wouldnt release the car to me because the TX registration was expired, it was too far gone for me to do it online, and I couldn’t just go to Texas to renew it in person.

Fortunately my sister had to renew at that time so I had her make PDFs of every step of the process, then swapped in my vehicle’s information.

Printed that out to show them I renewed online, got the car.

Next time I was in Texas I made sure to take a high res photo of a registration sticker. After that all I had to do was update the year, print it on a color laser printer and replace the old one.

[-]

Environmental-Rub635@reddit

I can't seem to edit my bank statements on ADOBE. It asks for a permission password. What seems to work for me is Lumin but that crap is expensive. Honestly, I don't want to run the numbers. I have to do the same crap with my paystubs.

[-]

Trick_Pin2594@reddit

Doesn't the font change for bank statements on Acrobat?

[-]

simplisticallycomplx@reddit

As a paralegal who does this on the regular, I am LIVING for the fact that you “arts and crafts” the same way I do! 😂😂 God bless adobe!

[-]

Scared_Ant_5219@reddit

How can I contact you? Do you have telegram? Please DM me since I cant Dm you

[-]

pdxcharger35@reddit

Just so everybody is aware it’s one thing if you want to fake your way into a job or an apartment but submitting fake docs for a loan is very hard to pull off with the way things are done these days.

More importantly mortgage fraud is punishable up to 30 years in prison and 1 million dollar fine.

[-]

throwawayhusn@reddit

How about apartment? is that punishable?

[-]

pdxcharger35@reddit

If you’re caught yes. You check the disclaimer box during the application process that attests that all the information you submitted is truthful. Landlord is more likely to simply deny your application though, than involve authorities on suspicion of fraud.

[-]

Tokiw4@reddit

I mean, you'll have a place to live at the end of the day one way or another.

[-]

depressedsalami@reddit

How does one fake their way into an apartment?

[-]

Retire_on_a_farm@reddit

Typically you need your net income (after tax and business deductions)to be 3x the rent, it’s not that hard to get into… or out of apartments. But he’s right it’s tedious to make the numbers all match perfectly.

[-]

angIIuis@reddit

Some apartments only let you move in if you make above a certain amount

[-]

pdxcharger35@reddit

You’ll have to ask OP, as in the purpose of their post.

[-]

WabashTexican@reddit

Definitely reconsider why you are doing this. False statements on a loan application is a federal crime and will get prosecuted if the fraud becomes large enough or someone flips. Sucks to think your clients would flip on you but if they get busted for another crime, you're their ticket out.

[-]

BirdFragrant6018@reddit

Exactly. Most reasonable people would value their individual freedom over a friendship, if push comes to shove.

[-]

TopazTriad@reddit

I would trust my close friends not to throw me under the bus for an unrelated crime I had nothing to do with. That’s about 2-3 people.

Anyone else, fuck no.

[-]

WeighNZwurld@reddit

Does a personal loan qualify as mortgage fraud? Legitimate question

[-]

Ruffcuntclub@reddit

No it does not qualify as mortgage fraud, but it still is fraud. Good question

[-]

pdxcharger35@reddit

Defrauding any lending institution falls under bank fraud statute 18 U.S. Code § 1344 - and holds the same punishment.

[-]

Bridge23Ux@reddit

Banks don’t mess around.

[-]

tingles23_@reddit

I use software that meant to identify falsified income documents. It’s just part of the process of my job. Wouldn’t be able to tell you what is real or false or why.

My question: how do you create your documents to pass these screeners?

[-]

oaz_zam246@reddit

i’m a college kid working a cash only job and i need a car but can’t apply for anything because i have no proof of income. could this be the solution?

[-]

Amazing_Yellow_7536@reddit (OP)

yes as long as your credit is fine

[-]

oaz_zam246@reddit

it’s around 760

[-]

violet-blur@reddit

do they pass SNAPPT? this is the website many housing communities use for fraud verification

[-]

ultralane@reddit

I used to audit Section 8. They use a 3rd party to verify income, and IDK how you can hack that.

[-]

Amazing_Yellow_7536@reddit (OP)

yes

[-]

Charley0213@reddit

How much time did your longest job take and how much did you earn from it?

[-]

Charley0213@reddit

How much time did your longest job take and how much did you earn from it?

[-]

Fit-Succotash-5564@reddit

Love how everyone's telling the chef how to cook

[-]

zioncurtainrefugee@reddit

I call absolute bullshit here. Lexis Nexis knows all. theworknumber.com will sniff out your mortgage fraud attempt in less than zero seconds.

[-]

0100111001000100@reddit

can anything be done for credit rating?

[-]

xandalcassamigo@reddit

I do this too but I’m not sure how to get paid clients. How did you get started?

[-]

MichaelIchan@reddit

Easy posting it on subreddits like this and buying upvotes.

[-]

halomate1@reddit

Yeah I actually had people dm me for this

[-]

InternalWooden7468@reddit

OP, I work for a company that does bank statement loans. I suspect anyone who wants to do fraudulent loans uses P&L only loans due to the difficulty in editing bank statements. That seems like a ton of work

[-]

EasyEstimate4@reddit

Hi Dmed you

[-]

Steve-C2@reddit

This isn't ULPT, this is fraud. Plain and simple.

[-]

_KingBeck_@reddit

Fraud sounds pretty unethical to me?

[-]

Steve-C2@reddit

We looking at unethical, or illegal?

[-]

Stacytothesmith@reddit

I thought this sub was a replacement for Illegal Life Pro Tips, which got shut down lol

[-]

twiddletwatter@reddit

I see a legend in the making!!! I bow to you!!!! What’s your take on get out of debt letters?!? Anything of that sort in your arsenal of fun?

[-]

Amazing_Yellow_7536@reddit (OP)

just dont pay them and wait for them to go to collections, then negotiate to pay 5% of what they are asking of you and to update your credit file. if they dont agree, dispute it since from the moment they bought the debt you didnt owe them anymore (you owed the original company).

[-]

Stacytothesmith@reddit

So many people don’t know that if you dispute every negative item on your credit reports you’re likely to get at least a few things deleted. The credit bureaus have 30 days to verify the info and if they can’t, bye bye to that entry! So you flood them with a ton to check and they can’t get to them all in time!

[-]

denied-hubby@reddit

Scan the document and save as a PDF file. Using Adobe acrobat pro, you edit the PDF file. The program will recognize and make editable the characters on the document. Change and enter whatever you want. Easy.

[-]

Stacytothesmith@reddit

This!

[-]

bigleagchew@reddit

Hello Mr FBI man, can I speak to ur dad?

[-]

FBISurveillanceAcct@reddit

Hello!

[-]

gobAGool24@reddit

Hey fbi yeah this guy right here

[-]

wishfulunicorn75@reddit

I used to get a discount at a particular store but I lost the job that afforded me that perk. Would your paystub work with Sheer ID to be able to qualify again? Curious for sure!

[-]

Main_Hope_226@reddit

Do you have any cpn connects

[-]

Amazing_Yellow_7536@reddit (OP)

no

[-]

spelunked@reddit

What’s the most you were able to help a client save?

[-]

Amazing_Yellow_7536@reddit (OP)

in the high 6 figures

[-]

Embarrassed-Tea-6797@reddit

How much do you charge

[-]

Amazing_Yellow_7536@reddit (OP)

depends on the work

[-]

Embarrassed-Tea-6797@reddit

If you just needed to change acouple charges on a bank statement. And then change the total amount on the bank statement.

[-]

Superg0id@reddit

Are you eliciting using photoshop or MS paint?

Asking for a friend...

[-]

Amazing_Yellow_7536@reddit (OP)

Adobe

[-]

Lady_Bread@reddit

Couple ?s just out of curiosity…

Do you have to alter them specifically depending on what they’ll be used for?

Have you ever done one that was used to apply for welfare/state services or subsidized income?

[-]

Amazing_Yellow_7536@reddit (OP)

Yes, depending on what the goal is I make changes.

And yes.

[-]

noldshit@reddit

Good for you! Anybody whos gone through the stupidity involved in a house loan greatly appreciates your talent.

[-]

Bridge23Ux@reddit

You’re not going to fool a bank even applying for a loan unless you file false tax returns. They request copies of your previous years returns which includes how much you earned.

[-]

noldshit@reddit

Not exactly... See they require your down payment to have been in your account for X amount of time or it dont count. Stupid stupid requirement. So if grandpop gives you downpayment money, it dont count as part of what youre putting down unless you can prove you had it in a bank X amount of time.

[-]

Bridge23Ux@reddit

, If your grandfather gives you money, they have to sign an affidavit saying it’s a gift and not a loan. Then it can count towards the down payment. The bank looks at your down payment and sources of income. I’ve had to explain the transfer of money between accounts within the same bank because my pay goes into a checking account and then from that account, some goes to savings, other to investments/retirement accounts, and some is used to pay bills directly from the checking account. The review they do is thorough including reviews of W2, 1099s, W-4, and bank accounts along with your credit reports. If you’re able to trick an underwriter good for you. It would be a challenge. The underwriters are a pain in the butt. I can’t tell you how many hops I’ve had to jump through in the past for loans I was more than qualified to receive.

[-]

noldshit@reddit

I had the money deposited in my bank by grandma and still went through the "you're money is not seasoned" (been in account X amount of time). I can see why people need this man's services.

[-]

AcrobaticBeat1616@reddit

I've seen your work. At work.

[-]

aledba@reddit

Oh you sweet summer child. Someone's always watching and no, your documents aren't getting through every time

[-]

timwaaagh@reddit

i hope you are behind a tor or something because reddit and even a vpn provider can be compelled to give law enforcement your ip adress, which can be used to trace your location. im pretty sure such a larger scale fraudulent business would be something more interesting to them than a random robber.

[-]

GaweGawie@reddit

What's the end goal?

Getting loans that you won't qualify?

[-]

Amazing_Yellow_7536@reddit (OP)

Honestly, it started out with friends who work in restaurants and nightlife not being able to rent because their pay stubs didnt include all the tips and cash they earn. If you get a loan to spend it on vacations that’s dumb, but you can also use the money smart. In any case it’s not my business what the people want their fake reports for and I dont care, I just offer a service.

[-]

beagletronic61@reddit

They are committing fraud and you’re now in that joint venture with a bunch of people. If they are ever looking at incarceration, let’s hope that they are really good friends of yours…like, the silent type.

[-]

iiiamsco@reddit

How exactly did you end up in this subreddit?

[-]

Leihd@reddit

You're confusing this subreddit with Illegal LPT one

[-]

beagletronic61@reddit

I’ve been looking for someone to doctor my paystub

[-]

TheRemedy187@reddit

This guys a Narc

[-]

Blade-Controvesial@reddit

Underrated response, should not be gettin g downvoted

[-]

beagletronic61@reddit

Once Reddit thinks you’re a narc, it’s the scarlet letter (or arrow) for you!

[-]

logicalSpiders@reddit

On one hand, the other guy is right. Look at this subreddit. On the other hand, lol funny comment

[-]

Gunzenator2@reddit

Hello fellow unethical people! I too enjoy crime!!

[-]

Peacer13@reddit

I don't think making fake pay stubs and bank statements is illegal. OP doesn't know what his clients are using it for; for all he knows, they're just trying to impress some girl with inflated bank statements or pay stubs xD

[-]

nerdsonarope@reddit

there's no specific law against making fake pay stubs, but come on, no reasonable juror would believe this guy doesn't know that the fake documents are being used for fraud. This isn't like a shop that sells an item that has legitimate and illegal uses where they can credibly say they had no idea what an item was being used for. What possible reason could someone legitimately need 6 months of fake bank statements?

[-]

skiing123@reddit

A financial teacher talking to a class about how to manage a budget by providing bank statements and where they should cut back

[-]

BirdFragrant6018@reddit

1? Maybe. Dozens of clients? Yeah, right.

[-]

FlacidMetapod@reddit

100% Correct.

[-]

Podorson@reddit

Nah, marketing a service that you know people are using criminally is illegal, it's happened with encrypted cell phones (darknet diaries podcast shout-out!).OP has admitted to knowing this in the thread.

[-]

Amazing_Yellow_7536@reddit (OP)

editing a document is not illegal. Submitting it to obtain something under false pretence is illegal. I’m not the one submitting it. ;)

[-]

BirdFragrant6018@reddit

Legally you are an accessory of a crime. You well know what that will be used for. Also you charge money, that’s actually in the felony territory.

Defrauding a bank is a federal felony. The problem is that a client of yours may be offered a plea deal if they can convict more people, including all accessories. Rest assured, people value their freedom more than friendships.

[-]

whyisalltherumgone_@reddit

It's absolutely illegal lol. Don't get overconfident because you think you're not doing anything wrong.

[-]

FlacidMetapod@reddit

Editing the document isn't illegal at all, it's submitting it and saying they are real that is the crime. You can have millions of doctored files, as long as you aren't claiming they are real. Aslong as they are never submitted, your files will stay secure and it's perfectly fine.

[-]

whyisalltherumgone_@reddit

He's literally being paid to falsify documents lol. He's not gonna be able to play dumb to get out of it

[-]

Felty69@reddit

Attorney here....here's the difference: an ID is an official government issued "document"; a pay stub or bank statement is not. But creative prosecutors, like life in Jurassic Park, "always find(s) a way."

In OP's case he could arguably be charged with wire or mail fraud if he emails or sends the altered documents to his clients. He definitively could be charged with conspiracy to commit fraud which requires:

  1) an agreement between two or more individuals to commit fraud;

  2) intent to commit fraud, incurring the intent to deceive others or gain financially; and,

 3) overt acts in furtherance of the conspiracy, such as creating falsified documents.

This kind of thing is aggressively prosceuted by the feds whenever false documents are used to secure loans or other financial benefits from a federally insured financial institution. Usually under the wire and mail fraud provisions of Title 18 of the United States Code, sections 1341 (mail fraud) and 1343 (write fraud).

Explore ways to possibly protect yourself with a local attorney competent to give legal advice respecting these matters.

[-]

whyisalltherumgone_@reddit

Thanks for this. Saying "editing a file isn't illegal" here is like saying "jerking off isn't illegal" when the context is that you were doing it in the middle of the street lol

[-]

Felty69@reddit

Exactly.

[-]

Top-Excuse5664@reddit

They don't really pursue or prosecute these things unless either there are victims complaining or it gets big enough for feds to get involved.

[-]

whyisalltherumgone_@reddit

I'm aware of that, but it's still illegal. That's the only point I was trying to make.

[-]

beagletronic61@reddit

If that’s your defense, you should fire your attorney. They are going to grab your hard drive and it’s gonna be like hitting three cherries in Las Vegas.

[-]

connell-lee-boerner@reddit

It's how the black community is able to rent

[-]

DecaForDessert@reddit

Moron

[-]

Amazing_Yellow_7536@reddit (OP)

racism, how cool

[-]

dazzc@reddit

Do you account for benford’s law where you’d expect to see a higher number of digit 1s, than 2s etc. in all of the new data or no?

[-]

Hanshee@reddit

So you’re telling me last year when my mailbox got broken into and my work check somehow got deposited to another persons name that was you?

[-]

Qorsair@reddit

Wow, I never realized how hard fraud is for most people. But the comments in this thread have shown me that most people would fail miserably.

[-]

ewatk@reddit

Whenever Im looking for somebody to help me commit bank fraud I always go to reddit.

[-]

darsonia@reddit

I've also been doing this successfully for years but only for personal gain. how do you advertise and reach out to others? I'd love to be your understudy; I bet you've got plenty of helpful tips

[-]

MungoJennie@reddit

Can you alter a diploma?

[-]

flip6threeh0le@reddit

Are you scanning and editing paper docs or electronically provided stubs?

[-]

Amazing_Yellow_7536@reddit (OP)

electronically

[-]

flip6threeh0le@reddit

Have you tried changing the info by inspecting an element im the browser view? You can make it generate your data as if it were there originally

[-]

WeighNZwurld@reddit

Please elaborate?

[-]

flip6threeh0le@reddit

Developer mode. Inspect element. Replace the text in the inspect window and it will update

[-]

WeighNZwurld@reddit

Thanks 🤗

[-]

sleepykeen@reddit

Idk if you'll see this but I used to do the same thing but different, I used to make fake insurance cards for people to be delivery drivers at my old pizza place. Would look up what a card would look like online copy it and just write a fake insurance number. The old systems didn't really check if it was real and would have to make a new one after the expiration date. It was a good way to keep long term customers by making the exp date shorter than 6 months.

[-]

factorycatbiscuit@reddit

You got friends???

[-]

yhelloimjosh@reddit

Bank locked me out of my account after I moved and sent money to the account from an updated temporary address. I had moved again and had no proof of address to get my account back so I modified another bank statement from a different bank to unlock it. I knew the same person I talked to on the phone wouldn't be the person viewing my documents so fuck em. Edit what you want, fake everything you can, everything is imaginary anyway.

[-]

Sliderisk@reddit

The amount of people here who can't understand accountants do this shit literally more than full time is insane.

You tally up the numbers, all of them, even the ones last month. It's crazy right! Some people do this 10 hours a day and make well under 6 figures. It's kinda annoying busy work that society relegates to the least ambitious people who can't swing a hammer but can still sit and read a screen. We call those folks bookkeepers, if they go to college for it they can be accountants. There's so goddamn many of them the pay sucks.

Making sure all the transactions on a bank statement total the balance is kinda child's play if you have even a little training and attention span like OP.

[-]

pipple2ripple@reddit

It's hilarious that real estates take bank statements as proof of income. In my country it's illegal for them to ask so I have zero qualms giving them edited ones.

A printed bank statement proves your income as much as a napkin with "trus me, i haz all the moneez" scrawled on it in crayon.

Tbh you should edit all your documents you give to real estate agents just to prevent identity theft. They keep all that stuff on file carefully protected by "Password12345"

I'm surprised people pay for this service though, is it mainly older people? I'm not very computer literate and even I know how to make my bank balance bigger than Bill Gates (Bill Gates, 4 days ago, not today 🤣).

[-]

brkuzma@reddit

How's it going, officer?

[-]

PiNe4162@reddit

Does it work for employers demanding evidence for your previous salary in order to BS your way to a pay rise?

[-]

Amazing_Yellow_7536@reddit (OP)

If they need a paystub then deffo. Just make sure you give them a friend’s number in case they call to verify.

[-]

PiNe4162@reddit

Never known a company actually call to verify it, just a glance at a sheet is enough if they even ask for it. But I dont live in the US either.

[-]

Present-Perception77@reddit

It depends on the company. Who you know .. your skill set ..

Getting a job is often about being at the right place at the right time.. then do a good job and no one cares.

[-]

Aghzara909@reddit

I love this sub🥰

[-]

zillabirdblue@reddit

How does that work? Wouldn’t lenders check with their bank to see the paperwork matches? I’m so lost when it comes to this stuff.

[-]

Amazing_Yellow_7536@reddit (OP)

The only way for a bank to be allowed to send or disclose your information to someone who is not you is if there is a legal investigation

[-]

zillabirdblue@reddit

Good to know!

[-]

DioBrando4President@reddit

Incredible work, King.

How do you find clients? Is it all referred or do you market online?

[-]

Amazing_Yellow_7536@reddit (OP)

online but anonymous, for obvious reasons

[-]

rnpowers@reddit

What platform do you use to sell? Like a darknet market or what?

[-]

crawliesmonth@reddit

So, fraud? Maybe more than just unethical? Perhaps Illegal?

[-]

PiNe4162@reddit

If you ain't lying you ain't trying

[-]

crawliesmonth@reddit

Risk management, my friend. I’m not going to go down for bank fraud.

[-]

PiNe4162@reddit

Defrauding banks is one of the most noble crimes you can commit

[-]

Amazing_Yellow_7536@reddit (OP)

I do not recommend doing this with loans over 100k but you best believe that no one is gonna prosecute you for 10/20k. It’s not worth their time and law fees. They will simply reject you as a customer. Same with renting - if they suspect you of foul play they’ll simply reject you. Suing costs time and money.

[-]

crawliesmonth@reddit

Sure, why not? It’s the consequences that are problematic.

[-]

Amazing_Yellow_7536@reddit (OP)

who cares

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NotThatEasily@reddit

Sure is bright in here.

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DecaForDessert@reddit

Settle down fed boy

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NightHawkFliesSolo@reddit

Lots of unethical things can be done with skills in a combo of MS Word/PDF/Photoshop and a scanner/printer. Light work for those so inclined to those skills.

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Ok_Elephant6896@reddit

How can I get in touch with you? You have telegram? DM ne

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l94xxx@reddit

What year was the signing of the Magna Carta?

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The_woman_in_me@reddit

Oh, I do that for friends all the time. Helped friends get college offers letters without having to arrange funds first, to help people cancel their gym memberships, etc.

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PiNe4162@reddit

I'd just get myself banned from the gym, no need for this high tech stuff.

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The_woman_in_me@reddit

Umm, depending on whether it has a chain or not country wide, I personally won’t do it. And there is nothing high tech when it comes to the gym part. It simply takes editing the lease and showing you are moving more than 20ish miles away, which is enough for gym to break your contract without penalties.

But everyone has different approach, so your method could be just as good as anyone’s. No wrongs or rights here.

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Amazing_Yellow_7536@reddit (OP)

nice!

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ManlyDude1047@reddit

Do you mind a DM for some details? Just curious about some of the specifics of your art

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Amazing_Yellow_7536@reddit (OP)

sure thing

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distortion-warrior@reddit

Finally, a hero for the people!

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Amazing_Yellow_7536@reddit (OP)

😂

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Sergeitotherescue@reddit

Did this many times. Once for a visa application, the other for a rental. We had the $$ just not enough.

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Amazing_Yellow_7536@reddit (OP)

exactly. fake it til you make it

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zerosumratio@reddit

Does it tire you, wearing that crown on your head all day long, you king?

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Minimum_Back_4682@reddit

Won’t (most) banks need a tax return as well to back up the wages they are supposedly receiving.

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JoxerBoy07@reddit

This my kinda fuckery.

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RiceFarmerDeluxe@reddit

What made you start? Did a friend ask for your help and you said " yea I can wizard some numbers"

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Amazing_Yellow_7536@reddit (OP)

Started for myself and then friends asked for help. Then their friends asked and I started charging.

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invaderdavos@reddit

Someone got into my bank account once and i got a screenshot saved of some of their account info they tried to add. How can i mess with them