The Credits server can be accessed by running PortHack and typing 'connect 126.96.36.199' at the console. It contains ALL of the crack programs. No ports need to be cracked to access it.
Cheater's Stash contains ALL of the crack programs and can be accessed at the console by typing 'connect 1337.1337.1337.1337' (without the quotes). No ports need to be cracked to access it.