What is a CPN?
CPN stands for CREDIT PRIVACY NUMBER
A CPN is a unique nine digit identification number that can be used to report financial information to all three credit reporting agencies. A CPN Number/ SCN Number is registered with the big three credit reporting agencies, the process to do os called TRI-Merge (Submitting your personal information and the CPN/SCN to the 3 credit reporting agencies and after that you will be able to have payments and financial information reported to it.
Currently the U.S. Govenrnment allows you to possess and use another 9 digit number beside your Social Security Number (SSN) to complete your personal financial information. But you are not allowed to abuse these numbers and you will be completely responsible for any debts on your Social Security Number (SSN) and your new credit profile number under the CPN Number.
It is your legal right to keep you Social Security Number/ (SSN) private by using a separate number for credit related purposes. The law says you are only required to disclose your Social Security Number (SSN) to the Internal Revenue Service, your work place (your employer), registering a motor vehicle, applying for a federally backed loan (FHA, Fannie Mae, etc), child support, DSS income, SSI taxes, and buying and registering a firearm. A CPN WILL KEEP YOUR SSN PRIVATE AND PREVENT IT FROM BEING USED OR MISUSED BY THOSE INDIVIDUALS OR CREDITORS THAT REALLY ARE NOT ENTITLED TO HANDLE IT.
Note that a CPN Number does not replace your Social Security Number (SSN)
THIS NUMBER CAN ONLY USED FOR CREDIT REPORTING PURPOSES! WHICH MEANS BASIC CONSUMER CREDIT.
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How does a CPN Number and SCN Number Work?
A CPN Number and SCN Number can be utilized in place of one’s Social Security Number (SSN) when applying for credit. It is a person’s legal right to keep his or her Social Security Number (SSN) private and employ a separate number for credit related reasons after you received the number you will need to TRI-Merge your CPN with your personal information and register with the three credit reporting agencies. Then you will have a clean new credit file this profile will have a 0 score at the beginning because like Social Security Number (SSN) you need to build credit step by step. WE CAN ADD CREDIT REPORTING INFORMATION TO YOUR NEW CPN THAT WILL REFLECT A 720+ SCORE AND MANY YFEARS OF INSTANT HISTORY ALL WITHIN 30 DAYS.
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To Build a Credit Score You Have Two Options:
The slow and standard way when beginning to build your credit, start off small and look for options available for those with little to no credit: apply for a no credit check Secured credit cards, Student credit cards & Retail credit cards.
The faster way is adding Tradelines (Authorized User accounts) HOW DO WE DO THAT? We sell them. The history of the card is reported to the credit reporting agencies.
When it comes to the FICO SCORE, any new credit file which is automatically created by the bureaus computer will be blank and you will need to re-establish credit by applying for a credit card or other credit lines under the law.
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More information about CPN Number
A CPN is separate from your Social Security Number. It helps to protect one’s Social Security Number when an individual applies for credit.
Creditors do not get any benefits when their clients get a new credit file. Based on the 1974 Privacy Act, a person is not obligated to give his or her Social Security Number to and private entities. When it comes to the legality, CPN Number is completely legal. However, it should be kept in mind that they can be utilized for credit purposes only and not for deceitful intentions.
Getting a CPN Number does not release a person from his or her previous debts. In fact the individual remains liable for all debts incurred on credit accounts referencing a SSN or CPN. Obtaining this number will not replace old bad credit. That is what makes it different from any credit repair or restoration scams.
You can use a CPN Number for anything that usually requires credit reporting purposes.
You can use a CPN NUMBER TO GET: Credit Cards, Auto Loan, Cable, Utilities, Apartments, Office and open Bank Accounts
YOU CAN'T USE CPN FOR A JOB, TAXES, MORTGAGE, FOOD STAMPS, GOVERNMENT ASSISTANCE ETC.
Is CPN's Legal?
Watch this: https://www.facebook.com/watch/?v=550683568408307
FBI Website:
“Credit Privacy Numbers (CPNs) are nine-digit file number that follow the same algorithm as Social Security Account Numbers (SSANs). Currently, federal law allows individuals to legally use CPNs for financial reporting and protects those individuals who do not wish to disclose their SSAN. Individuals who acquire CPNs are completely responsible for any debt they incur using this number”
FAQ's
What are public records?
Public records is information that other people or entities could look up about you, this information isn’t private or protected
Do I need to do public records?
Yes, you do this step cannot be skipped if you want to get the longevity out of your con
When do I need to start on my public records?
As soon as you receive your profile
How long do I need to to my public records?
You don’t need to stop doing them, if you have that can you need to do public records.
How do I do public records?
By signing up for rewards programs, doing things that real people do in the world like create social media profiles, sign up for job sites etc. Remember you are making a nobody into someone.
How many public records do I need to do?
The answer to this question is there is never enough public records in a day you want to at least be doing 5-20 records in on setting. I recommend atleast 1,000 public records.
Can I get a vehicle with my CPN?
Yes, but before you do this, please make sure your profile is built strongly and your can is at least 2-3 months old if you are building it yourself. You want to have at least 3-5 mixed tradelines on your profile if you are looking for little to no down payment. You want to stick with buy here pay here car lots.
Can I get a rental home or luxury apartment with my CPN?
Yes, but your CPN will need a score, everyone always wants to know where the CPN apartments or houses are. There is no such things, things change every day when it comes to this can stuff. Companies up their security every day you’re just going to have to get out there and test your boat you’re either going to sink or float. You can use RentCafe as a guide to find apartments, when looking for rental homes try opting for private landlords, if those cannot be found use Zillow. Do not depend on the big-name realty companies like First Key Homes, Main Street Renewals because again these companies have been played out.