It's simple: his 800 credit score was just begging to be 0'd.
Think of it: no mortgage, no car payments, no student loans. The freedom to spend all my days playing Bro-keeps-sending-me-links-to-get-rich-quick-schemes/">.
Of course, then I would've had to live in a cardboard box, but that's a small price to pay for financial independence.
I had no idea how to do it. I'm a 0.0% chance of getting away with it.
I would've just used a what-happens-when-you-google-advanced-hacking-techniques/"> to figure it out.