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Iron
- Joined
- Jul 4, 2026
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Welcome back everyone! I took a little break from posting guides but I'm back 
.
Part 1 if you missed it : Part 1
Today we’re talking about something that actually works in 2026: using fullz to apply for loans and moving the money out without getting your accounts nuked. This is the loan method, tomorrow I’ll show you how to do the same with credit cards
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Applying for a credit card using high credit score fullz
---
Stage 1: Sourcing the Fullz
Recap: What is a fullz ? : Fullz = Full information ! What this means is that its a persons whole identity like SSN's & Dl numbers, Full names etc You can use these details to make credit cards, take out loans, make bank accounts and so much more that I'll tell you about soon.
However not all fullz are eligible for a credit card or a loan cause some of these niggas have low credit scores so you need one with a high credit score (CS)
You need a fullz that actually works – high credit score, fresh SSN, and preferably a credit report so you know their credit history.
You can either:
- Source your own from spam pages, fake loan application sites, etc. (good luck with that).
- Or just buy it from a vendor who does
What to look for:
- Credit score 720+ (higher = better approvals)
- DL front/back scan to upload them
- Credit report (so you know their past addresses, employers – answers security questions easily)
If you’re buying, most reputable vendors sell packages that include everything you need: fullz, e‑sim, credit report, maybe even a step‑by‑step guide. You’ll see those around in a few market places
---
Stage 2: The E‑Sim – Don’t Screw This Up
You need a US number that’s registered to the same name and zip code as the fullz. Banks can see this info when they run checks – if it doesn’t match, you’re dead in the water.
Pro tip: Avoid T‑Mobile or Verizon. They have aggressive tracking and can flag your location. Instead, get an e‑sim from a overseas based carrier that operates in the US – they don’t care about your physical location as much.
You can buy your own (not on your personal card) or get it as an add‑on from a vendor. If a vendor offers a package with the fullz and a clean e‑sim, take it.
Textverified can also work for this
---
Stage 3: Where to Apply for the Loan
Forget the big banks. They have too many checks. Go for the shittiest, most desperate loan websites – the ones that charge 30%+ APR and approve anyone and everyone
These companies prey on desperate people. Now you get to prey on them. Use them. They fucking deserve it.
Examples:
- Online lenders that advertise “low credit check” or “fast cash”
- Payday loan sites that ask almost nothing
- Anywhere that looks like it the site was built in 2005
Why it works: These lenders don’t have sophisticated fraud detection. They just want to push out money and collect interest. You’re not stealing from them – you’re taking advantage of their own shitty business model.
---
Stage 4: The Bank Drop – How to Receive the Money
This is the secret sauce. Forget Wells Fargo drops and other big bank drops. Use a Wise multi‑currency account or a similar multi fintech app however wise is the best but capital one works as well
What you need:
- A fully verified Wise account or any similar fintech or cap one (email + phone access)
- If you don’t have one, you can buy a “Wise drop” – they come with login, email access, and a phone number you can renew and use on textverifed.
The process:
1. Log into the account you've got
2. Get your account details (routing number and account number).
3. On the loan application, enter those details as your bank account.
4. The lender will send two tiny micro‑deposits to verify it’s your account (usually within 1–2 days).
5. You log into Wise, see the deposits, confirm them on the loan site.
6. The account is linked. Now you wait for the loan to hit.
Once the money lands in your Wise USD balance, you’re in control.
---
Wise only (Good for opsec/ less tracking) for Cap one and other banks just directly P2P the money for XMR or BTC
Stage 5: Breaking the Link – Convert to AUD/GBP & P2P Crypto
This is the part that most people skip, and why they get caught. If you leave the money in USD and send it directly to an exchange, they’ll flag it. Or you use the USD account to purchase crypto from a US based p2p agent.
What you do :
1. In your Wise account, convert 50% of the balance to AUD and 50% to GBP.
2. Now you have money in two different currencies, and there’s no direct on‑chain link back to the original USD deposit.
3. Go to a P2P exchange like LocalCoinSwap or Bisq.
4. Sell your AUD and GBP for XMR or BTC.
5. Withdraw the crypto to your own wallet.
Result: The money is now completely disconnected from the original loan. No US bank can easily trace it, no KYC, no frozen accounts.
---
Stage 6: Rinse and Repeat
You’ve just cashed out $3,000 (or more) in under a week. Now do it again with another fullz, another lender, another Wise drop. The method scales.
---
Final Words
It is lowkey a little complicated but with the proper guidance you can pull it off and you aren't gonna be making any real money sitting on your ass watching videos online so yeah. Stop wasting time with drops & methods that die. It’s the cleanest method I’ve found in 2026.
Tomorrow I’ll show you how to do the same thing with bank logs.
Stay safe, stay smart
— Thegoldeniceberg (Unghosted)
.Part 1 if you missed it : Part 1
Today we’re talking about something that actually works in 2026: using fullz to apply for loans and moving the money out without getting your accounts nuked. This is the loan method, tomorrow I’ll show you how to do the same with credit cards
---
Applying for a credit card using high credit score fullz
---
Stage 1: Sourcing the Fullz
Recap: What is a fullz ? : Fullz = Full information ! What this means is that its a persons whole identity like SSN's & Dl numbers, Full names etc You can use these details to make credit cards, take out loans, make bank accounts and so much more that I'll tell you about soon.
However not all fullz are eligible for a credit card or a loan cause some of these niggas have low credit scores so you need one with a high credit score (CS)
You need a fullz that actually works – high credit score, fresh SSN, and preferably a credit report so you know their credit history.
You can either:
- Source your own from spam pages, fake loan application sites, etc. (good luck with that).
- Or just buy it from a vendor who does
What to look for:
- Credit score 720+ (higher = better approvals)
- DL front/back scan to upload them
- Credit report (so you know their past addresses, employers – answers security questions easily)
If you’re buying, most reputable vendors sell packages that include everything you need: fullz, e‑sim, credit report, maybe even a step‑by‑step guide. You’ll see those around in a few market places
---
Stage 2: The E‑Sim – Don’t Screw This Up
You need a US number that’s registered to the same name and zip code as the fullz. Banks can see this info when they run checks – if it doesn’t match, you’re dead in the water.
Pro tip: Avoid T‑Mobile or Verizon. They have aggressive tracking and can flag your location. Instead, get an e‑sim from a overseas based carrier that operates in the US – they don’t care about your physical location as much.
You can buy your own (not on your personal card) or get it as an add‑on from a vendor. If a vendor offers a package with the fullz and a clean e‑sim, take it.
Textverified can also work for this
---
Stage 3: Where to Apply for the Loan
Forget the big banks. They have too many checks. Go for the shittiest, most desperate loan websites – the ones that charge 30%+ APR and approve anyone and everyone
These companies prey on desperate people. Now you get to prey on them. Use them. They fucking deserve it.
Examples:
- Online lenders that advertise “low credit check” or “fast cash”
- Payday loan sites that ask almost nothing
- Anywhere that looks like it the site was built in 2005
Why it works: These lenders don’t have sophisticated fraud detection. They just want to push out money and collect interest. You’re not stealing from them – you’re taking advantage of their own shitty business model.
---
Stage 4: The Bank Drop – How to Receive the Money
This is the secret sauce. Forget Wells Fargo drops and other big bank drops. Use a Wise multi‑currency account or a similar multi fintech app however wise is the best but capital one works as well
What you need:
- A fully verified Wise account or any similar fintech or cap one (email + phone access)
- If you don’t have one, you can buy a “Wise drop” – they come with login, email access, and a phone number you can renew and use on textverifed.
The process:
1. Log into the account you've got
2. Get your account details (routing number and account number).
3. On the loan application, enter those details as your bank account.
4. The lender will send two tiny micro‑deposits to verify it’s your account (usually within 1–2 days).
5. You log into Wise, see the deposits, confirm them on the loan site.
6. The account is linked. Now you wait for the loan to hit.
Once the money lands in your Wise USD balance, you’re in control.
---
Wise only (Good for opsec/ less tracking) for Cap one and other banks just directly P2P the money for XMR or BTC
Stage 5: Breaking the Link – Convert to AUD/GBP & P2P Crypto
This is the part that most people skip, and why they get caught. If you leave the money in USD and send it directly to an exchange, they’ll flag it. Or you use the USD account to purchase crypto from a US based p2p agent.
What you do :
1. In your Wise account, convert 50% of the balance to AUD and 50% to GBP.
2. Now you have money in two different currencies, and there’s no direct on‑chain link back to the original USD deposit.
3. Go to a P2P exchange like LocalCoinSwap or Bisq.
4. Sell your AUD and GBP for XMR or BTC.
5. Withdraw the crypto to your own wallet.
Result: The money is now completely disconnected from the original loan. No US bank can easily trace it, no KYC, no frozen accounts.
---
Stage 6: Rinse and Repeat
You’ve just cashed out $3,000 (or more) in under a week. Now do it again with another fullz, another lender, another Wise drop. The method scales.
---
Final Words
It is lowkey a little complicated but with the proper guidance you can pull it off and you aren't gonna be making any real money sitting on your ass watching videos online so yeah. Stop wasting time with drops & methods that die. It’s the cleanest method I’ve found in 2026.
Tomorrow I’ll show you how to do the same thing with bank logs.
Stay safe, stay smart
— Thegoldeniceberg (Unghosted)
