There was a link posted last week to some CRA disputing tips. One of them was "be dyslexic" and change 1 digit of the account number...send it in as a dispute and make the CRA find the additional error in order to verify the info. I could see this being useful for accounts that always come back as verified. But by doing that, I think at best they're only likely to pull up the account as not a valid account number (since there's actually a mathematical formula involved in creating CC #'s) and double check the number you gave them. Here's where my great idea comes in There's a hack program called Cmaster4 that's been floating around on the Internet since '95. You can use it to input the CC account in question and extrapolate up to 999 "valid" CC #'s. Then find an account number that is easily mistaken for yours (for example, 4791 instead of 4971 for the last four digits) and list that as the account in dispute. That way, they may verify the account as someone else's and remove it from your report. And if they find the error, all you've done is goof and mistype the account number. Well, any constructive thoughts?
might work. Back in the hacker days when i was a youngun i wrote a program like that heh. Maybe 18 years ago. CC algorithms were a simple mod-10 formula guess they still are. It is borderline on fraud , imo.. but so is saying that something you know is correct, isn't ...right?
Sure it is, but if you transposed the number by accident, and it just happened to be a valid number, Oops...... Sounds like a decent idea when all else has failed.
