Deep in the shadows of the internet, “fullz” is a comprehensive identity profile obtained illegally that is often used for everything from faking identities to draining bank accounts.
It is like a fuel in the clover of black market. It empowers the range of crimes, including cybercrimes, identity theft, and large-scale financial fraud.
The FBI’s Internet Crime Complaint Center received more than 859,000 reports of suspected internet crime in 2024. These reports highlight the personal data breaches that rank high.
The top three offenses are exceeding the financial losses of $16 billion. The ratio of the shocking cases increased by 33% from the previous year.
These fullz packages include the name, address, social security number, bank details, credit card details, and financial credentials.
These details are sold on dark web forums and messaging apps, including Telegram, for little or a few dollars per identity. Once it gets into the hands of cybercriminals, they use this information for different fraudulent activities.
The fraudulent activities include credit card cloning, load fraud, accountakeover and even medical identity theft. They leave the victim’s accounts, bank accounts drained with financial insecurities.
In this blog, we’ll learn how fullz info is used in cybercrime, the risks associated with buying fullz with harsh realities.
We’ll also explore the underground market for live cc fullz, free bank fullz, and debit fullz, with ways to protect yourself from such harmful threats.
What are Fullz?
Fullz is a slang term used in the world of cybercrime, hackers, and fraudsters to depict an individual’s identifiable and structured personal information.
The exact origin of the term is unknown. It is set to be stored with full information, full dataset, or full credentials. The Fullz contains a set of personal information that is used for illegal purposes.
The fullz package usually includes
- Individual’s Full Name
- Social Security Number (SSN) or equivalent Government-Issued Identification Number
- Date of birth
- Address and contact details
- Credit card (cc fullz, debit fullz)
- Bank account numbers/ bank details
- Online account credentials (usernames, passwords)
- Medical or employment records
- Other personal data
Cybercriminals steal this information and sell or trade it on the dark web for identity theft, fraud, and illegal activities. These data sets allow criminals to bypass security standards, making fullz information the gold standard for identity theft and fraud.
| Origin and Use of Fullz The origin of the term “fullz” is mysterious somehow. The term Fullz was first used in the early 2000s by credit card fraudsters. Criminals needed a term to describe the complete information about a victim. The term has since become standard jargon among cybercriminals. Later, the vogue of the terminology grew, and now it’s commonly used in the online criminal community underworld. Fullz involves a range of cybercrimes, the most common include: Identity theft Financial fraud Credit card fraud Loan fraud Impersonate their victims Account takeovers Tax refund fraud Buy now, pay later fraud Medical fraud or employment-related fraud Cybercriminals gain access to their name, gain access to current and new accounts. |
How Are Fullz Obtained?
There are different ways to obtain fullz. Cybercriminals use various methods, one ot the most common methods is through data breaches.
Using this technique, hackers get unauthorized access to a company’s or an organization’s database and steal the personal information of their potential customers.
This information is further sold on the dark web, where different fraudsters buy and use this information for various illegal activities.
The other method includes phishing attacks. In this technique, the hackers or cybercriminals trick the individual in such a way that they reveal their personal information.
Deceptive emails, text messages, or websites that seem legal but work illicitly are a few methods of phishing.
The hackers use this information to create fulls and use them for their illegal purposes or sell them to others.
Malicious Software & Hacking
The other common methods can include Malware and hacking techniques to obtain fullz. Hackers can use malicious software to infect a victim’s system, phone, or any other personal device to steal the personal information.
Hacking techniques are also used to get unauthorized access. By using hacking, cybercriminals can get access to victims’ accounts and steal their information.
Social engineering techniques are also used by hackers to trick an entity into revealing its personal information.
This can involve some trusted individuals and organizations, who can a bank or government agency and convince a victim to provide their financial information.
Data Brokers and Public Registries
Some fullz get data from data brokers. These are the companies that collect or sell personal information. Such companies gather information from various sources.
The sources can be public records, public registers, online activities, and other data provider platforms. Cybercriminals buy such information to form fullz.
Public records are the best source of getting information for fullz. These records include information about the property, court records, and other public documents that contain personal information. Hackers and cybercriminals use these records to create fullz.
Credit Card Skimming
Information from credit cards can be obtained without physical touch using card skimmers. The card skimmers read the data of the magnetic strip of a credit card or a debit card, and fraudsters use this data.
Credit card skimmers are rigid and can easily fit on the credit card terminals or be cloaked in the hands of a scammer.
Physical Thefts
A not popular way anymore to obtain someone’s information by stealing it’s belongings or documents.
Robberies of homes, government offices, or businesses can assist criminals in stealing personal information that criminals can use to create fullz.
How does buying Fullz work?
On hole-and-corner forums and dark websites, buying fullz is the same as online shopping. Different sellers, advertisers, and vendors advertise packages, including cc fullz (credit card fullz), debit fullz, or even free bank fullz as promotional tempts. Transitions are conducted using cryptocurrencies to keep up with anonymity.
| Cybercriminals don’t need the use technology or be experienced scammers. They can simply log in to the dark web and buy fullz sets. |
Contents of Fullz Packages
| Fullz Type | Description |
| cc fullz | This includes the information, including the cardholder’s name, card number, CVV, and billing address It is commonly used for Credit card fraud, online purchases |
| Debit fullz | Debit fullz includes Debit card info, PIN, account number, SSNIt is usually used for ATM withdrawals, bank fraud |
| Bank fullz | This includes the bank account details, routing number, and PII It is usually used for Bank transfers, loan fraud |
| Live CC fullz | This includes the recently verified card info with active accountsIt is usually used for High-success fraud attempts |
| Free Bank fullz | This includes promotional or outdated data, often a lureIt is commonly used for Entry-level fraud, scams |
How Criminals Use Fullz?
One criminal possesses fullz info, they conduct a range of crimes including
1. Identity Theft & Financial Fraud
Cybercriminals use fullz to mimic victims and use them to
- Apply for credit or loans using the victim’s personal information and credit data. They use the victim’s Social Security number (SSN), date of birth, and address, and apply for loans in their names. This theft leaves a victim with unpaid debts.
- They drain bank accounts and use victims’ accounts and credentials to transfer money and funds.
- They file bogus tax returns using fake accounts and steal SSNs and employment details.
2. Account Hijacking & Account Takeover (ATO) Attacks
The information fullz contains logins, credentials, e-mail addresses, and phone numbers, using all the data they hijack accounts
- Criminals use E-commerce accounts and platforms to make buying and purchasing with stored payment without any consent.
- They use Cryptocurrency wallets to transfer digital assets and make it impossible to trace.
- They use social media platforms and profiles to spread malware and scams.
3. Unauthorized Use of Medical Information
Sometimes, cybercriminals steal someone’s health data, including insurance details, medical IDs.
- By using this information, they obtain illegal prescriptions for drugs and medicines to resell them or for other illegal activities.
- They submit false medicine or procedures and claim patients for nonexistent treatments.
4. Fabricated & Synthetic Identity Fraud
By gathering fake and real data, including a valid SSN with a fabricated name, hackers create “synthetic identities
- To build credit card profiles for fake creditworthiness to claim large amounts of loans.
- They disappear after taking a large amount of money and leave the financial institution with irrecoverable losses.
5. Dark Web Marketplaces
The criminals use dark web marketplaces for selling and buying fullz
- They sell per set of fullz up to $100 and also offer discounts on bulk buying.
- Different criminals use a single package of fullz to sell it to multiple buyers.
- They offer dead full set as a special offer that contains the data from deceased individuals and fresh fullz, Someone has breached the data currently.
6. Phishing & Online Scams
Cybercriminals use social engineering on a targeted person.
- They act as someone from government officials or organizational entities to extract payment data with additional details.
- They use leaked passwords to breach victims’ account details.
Acquisition Methods
Criminals gett full access to fullz through
- Data breaches, including hacking corporations, hospitals, or financial institutions
- They use software such as malware and skimmers to capture payment details.
- They use phishing emails to trick the victim into sharing data.
The Risks and Realities for Victims
For Individuals
For individuals Fullz in
- Financial loss, Unauthorized transactions, drained accounts, and fraudulent loans
- It damages the credit image and damages the credit scores.
- It calls for legal action, the victim involved in fraudulent accounts, clear records, and it takes months and years of processing.
- It poses emotional stress due to stolen privacy and the victimization process.
| It takes years to build trust and reputation, a few minutes of cyber-incident to ruin it. |
For Institutions
Banks and lenders face huge financial losses.
- It takes operational costs spent on fraud detection, customer support, and compliance.
- Fullzz damages the reputation, customer trust, and market reputation.
- Fullz causes regulatory penalties, and failure to protect data results in legal fines.
Final Thoughts
Fullz is a considerable threat to personal privacy and financial security. It is used by hackers and criminals to perform illegal activities.
Identity fraud and financial fraud are done these days using fullz. It is important to understand what they are and how they work so that your financial institution and organization can take preventive measures.
With the evolving technologies, the methods of cybercrimes are transforming too. It is very important to stay informed about the latest threats and take proactive steps to secure personal information.
Awareness, vigilance, and adoption are the best practices to fight against fullz. If you suspect your fullz info has been theft, act, report, and freeze your card as soon as possible.
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