Found on the Telecom list (which I've subscribed to for years but almost never read any more). The paper is quite interesting.

                                                        -- Jerry

Date: Fri, 31 Jul 2009 22:07:03 -0400
From: Monty Solomon <>
Subject: Manipulation and abuse of the consumer credit reporting agencies
Message-ID: <p0624087dc699532ac...@[]>

Manipulation and abuse of the consumer credit reporting agencies

by Christopher Soghoian
First Monday
Volume 14, Number 8
3 August 2009


This paper will present a number of loopholes and exploits against
the system of consumer credit in the United States that can enable a
careful attacker to hugely leverage her (or someone else's) credit
report for hundreds of thousands of dollars. While the techniques
outlined in this paper have been used for the personal (and legal)
profit by a small community of credit hackers, these same techniques
could equally be used by more nefarious persons - that is, criminals
willing to break the law, engage in fraud, and make off with
significant sums of money. The purpose of this paper is to shed light
on these exploits, to analyze them through the lens of the computer
security community and to propose a number of fixes which will
significantly reduce the effectiveness of the exploits, by both those
with good and ill intentions.


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