I have a friend who signed up for paypal's bill me later service using another person's information (address, U.S. SS#, etc.)
This was done using a via a proxy.
He really didn't expect the account to be approved, but to his surprise it was for over $700.
He would log in each day to see if the money was still there while he determined what he would do with it. On the 4th day when he attempted to log in there was a message saying "Your application has been denied".
It seems he had "sat" on the money too long. Perhaps they sent a letter to the 3rd party who then denied that they had applied for this account.
So, my friend decided to try again with various 3rd party information, but could not remember where he got the proxy, so he used a popular vpn service instead. Each time, the accounts were immediately denied. About 8 in total.
What my friend is wondering is if it could be the VPN's IP, which is typically located a different state that the applicants address.
It's strange that the very 1st application via a simple proxy was approved, but all subsequent applications using a vpn were denied.
He realizes that the applicant information could simply be "bad credit", but what affect does a VPN's location have when applying for online credit?
Fraud prevention services such as MAXMIND are popular, so perhaps it's safe to think that bigname companies have even more thorough ways of checking IP addresses and blacklisting known VPN and proxies?
I
This was done using a via a proxy.
He really didn't expect the account to be approved, but to his surprise it was for over $700.
He would log in each day to see if the money was still there while he determined what he would do with it. On the 4th day when he attempted to log in there was a message saying "Your application has been denied".
It seems he had "sat" on the money too long. Perhaps they sent a letter to the 3rd party who then denied that they had applied for this account.
So, my friend decided to try again with various 3rd party information, but could not remember where he got the proxy, so he used a popular vpn service instead. Each time, the accounts were immediately denied. About 8 in total.
What my friend is wondering is if it could be the VPN's IP, which is typically located a different state that the applicants address.
It's strange that the very 1st application via a simple proxy was approved, but all subsequent applications using a vpn were denied.
He realizes that the applicant information could simply be "bad credit", but what affect does a VPN's location have when applying for online credit?
Fraud prevention services such as MAXMIND are popular, so perhaps it's safe to think that bigname companies have even more thorough ways of checking IP addresses and blacklisting known VPN and proxies?
I
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