The Art of Deception_ Controlling the Human Element of Security - Kevin D. Mitnick [11]
One of the major companies that banks contract with for this information is an outfit we’ll call CreditChex. They provide a valuable service to their clients, but like many companies, can also unknowingly provide a handy service to knowing social engineers.
The First Call: Kim Andrews
“National Bank, this is Kim. Did you want to open an account today?”
“Hi, Kim. I have a question for you. Do you guys use CreditChex?”
“Yes.”
“When you phone in to CreditChex, what do you call the number you give them—is it a ‘Merchant ID’?”
A pause; she was weighing the question, wondering what this was about and whether she should answer.
The caller quickly continued without missing a beat: “Because, Kim, I’m working on a book. It deals with private investigations.”
“Yes,” she said, answering the question with new confidence, pleased to be helping a writer.
“So it’s called a Merchant ID, right?”
“Uh huh.”
“Okay, great. Because I wanted to make sure I had the lingo right. For the book. Thanks for your help. Good-bye, Kim.”
The Second Call: Chris Talbert
“National Bank, New Accounts, this is Chris.”
“Hi, Chris. This is Alex,” the caller said. “I’m a customer service rep with CreditChex. We’re doing a survey to improve our services. Can you spare me a couple of minutes?”
She was glad to, and the caller went on:
“Okay—what are the hours your branch is open for business?” She answered, and continued answering his string of questions.
“How many employees at your branch use our service?”
“How often do you call us with an inquiry?”
“Which of our 800-numbers have we assigned you for calling us?”
“Have our representatives always been courteous?”
“How’s our response time?”
“How long have you been with the bank?”
“What Merchant ID are you currently using?”
“Have you ever found any inaccuracies with the information we’ve provided you?”
“If you had any suggestions for improving our service, what would they be?”
And:
“Would you be willing to fill out periodic questionnaires if we send them to your branch?”
She agreed, they chatted a bit, the caller rang off, and Chris went back to work.
The Third Call: Henry McKinsey
“CreditChex, this is Henry McKinsey, how can I help you?”
The caller said he was from National Bank. He gave the proper Merchant ID and then gave the name and social security number of the person he was looking for information on. Henry asked for the birth date, and the caller gave that, too. After a few moments, Henry read the listing from his computer screen.
“Wells Fargo reported NSF in 1998, one time, amount of $2,066.” NSF—nonsufficient funds—is the familiar banking lingo for checks that have been written when there isn’t enough money in the account to cover them.
“Any activities since then?”
“No activities.”
“Have there been any other inquiries?”
“Let’s see. Okay, two of them, both last month. Third United Credit Union of Chicago.” He stumbled over the next name, Schenectady Mutual Investments, and had to spell it. “That’s in New York State,” he added.
Private Investigator at Work
All three of those calls were made by the same person: a private investigator we’ll call Oscar Grace. Grace had a new client, one of his first. A cop until a few months before, he found that some of this new work came naturally, but some offered a challenge to his resources and inventiveness. This one came down firmly in the challenge category.
The hardboiled private eyes of fiction—the Sam Spades and the Philip Marlowes—spend long nighttime hours sitting in cars waiting to catch a cheating spouse. Real-life PIs do the same. They also do a less written about, but no less important kind of snooping for warring spouses, a method that leans