BEST CREDIT REPAIR METHOD

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A: A CPN Number (Credit Privacy Number) a.k.a. SCN Number (secondary Credit Number) is a nine digit number separate from your social security number used to track your credit activities and history such as a EIN, ITIN, TIN or SSN, but their can be other formalized government or institutionally issued 9-digit number’s which can be issued and used for credit purposes.

Your new number will protect your Social Security Number (SSN) from identity theft.

A: Our CPN Number’s come from a trusted independent third party ENCRYPTED SUPPORT LP Data Science Department to assure the new number has been scanned from any and all databases from being any other persons or entities.

Everything is done in vain if the foundation of the number is not clean.

Sometimes new credit file providers will not do their due diligence on a number and then there can be approval issues in the future with up to half of all credit submissions requested.

Don’t go through that. Get a good, clean new credit profile number you can rely on with us.

A: No. The CPN Number does not replace your Social Security Number (SSN), the CPN Number can only be used for credit reporting purposes. It cannot and should not be used for any government purposes including and not limited to: military, child support, DSS income, SSI, taxes, FHA, VA, or any government backed funding, which requires an individual to list a SSN number. You will be using your Credit Privacy number for private financial institutions that extend credit like most traditional credit cards, bank offers (non-interest bearing so no tax liabilities), and many other credit providers like Affirm and Klarna etc.

A: To obtain a new credit profile a.k.a. a CPN Number, typically it takes 2-3 days, so we can make sure we validate the info you share with us. However, your file creation date can be done same day if you are on a schedule.

A: As soon as you call or submit your online application we can get you started.

Additionaly you will be assigned an account manager to get your process finished as soon as possible. 

A: You can use your new credit file for any credit reporting purposes.

Use it to open bank accounts, credit cards, personal loans, auto loans, apartments, utilities, cable, cell phones, etc.

A: Yes! You are responsible for all debts on your old report and debts incurred with your new credit profile.

You must remember that while you are rebuilding your original credit, you must use your new number wisely.

Due to certain rights guaranteed by the 1974 US Privacy Act Title V (View The 1974 Privacy Act), federal law allows the ability for someone to legally use a private ID # for financial reporting purposes instead of a Social Security Number. Title 5, Section 7 of Publication Law 93-579 of Government Organization and Employees Act:
…(a) (1) It shall be unlawful for any Federal, State or Local Government Agency to deny any individual any right, benefit, or privilege provided by law because of such individual’s refusal to disclose his or her’s Social Security Account Number.
The law states that No federal, state, or local government agency may deny you any right, privilege or benefit due to your refusal to provide your SSN for any other reason than producing money for retirement account with the Social Security Administration, the IRS and your employer today. Credit Bureaus are not legally allowed to “require” your Social Security Number. In our country’s present credit reporting system a person may be assumed guilty and then must expend a great deal of time and resources to prove his or her innocence. Additionally, once a negative item is in a credit file it may remain long past the 7 year time period most people believe is used. Additionally, a misreported item can show up in a credit report multiple times. Credit bureaus are private companies and are not affiliated with the government in any way, whatsoever. Although, the credit bureaus would like you to think otherwise.

A: Title 5 of the United States Code Annotated 552(a) known as the Privacy Act, ruled in part: “Right to privacy is a personal right designated to protect persons from the unwanted disclosure of personal information.” – CAN Financial Corp vs. Local 743, D.D., I11, 1981 15F. Sup. 943, I11.
(A)(1) “It shall be unlawful to deny any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his or her social security account number”.
Pub. L 93-579: (B) “Any Federal, State, or Local Government Agency which requests an individual to disclose their Social Security Account Number shall inform that individual whether the disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it.”
The Equal Credit Opportunity Act (ECOA) prohibits creditors from denying you a loan based on reasons that have nothing to do with your credit-worthiness.

When applying for credit ALWAYS use your new address associated with the CPN.

Option 1:

You can get an ID (not a drivers license) from a county you have never received an ID in before and get the ID with the new CPN address information.

That way you have an ID to support ID verification.

If you need 2 forms of ID use a passport as it does not have an address on it but is accepted as a second form of ID.

 

Option 2:

If your license or ID still contains the address from your original credit profile make sure the creditors do not run it with your CPN because this will merge your old credit profile with the new one (You do not want that to happen because it will destroy the CPN you worked so hard to attain.

Just put your new address on all new credit applications with your new CPN number.

Alternatively just tell the creditors that you did not update your address on your ID and or you have been a victim of fraud under that old address (many people have been and not know it).

First you will need to understand a few things.

CPN numbers are designed to be used for credit reporting purposes exclusively.

So you cannot register your new vehicle using a CPN number.

You will need to use your Social Security Number.

You may be asking so where does my CPN number fit into all of this?

Simple, you will be using your CPN for your Auto Loan and your SSN to register and insure your car.

Here is what you will need to do:

First you will need to find a legitimate dealer that knows how to use CPN numbers for auto purchases.

This is simple, most big franchise brands just rather not deal with CPN numbers because a lot of people have used them to defraud these dealers out of millions of dollars.

So, you will need to find a smaller mom and pop type dealership that offers bank financing, not in house financing.

Call them and ask to speak with their finance department.

Ask them plainly do you accept CPN numbers for vehicle purchases?

Once you find the dealership gather the following documents before visiting them: 

  • Drivers license (see Drivers License | ID for more info above)
  • alternative form of ID such as a Passport or Passport card
  • Pay stubs
  • and proof of residence

You can do a quick google search for pay stub providers.

They normally cost around $40 they may also be able to help you with the proof of residence for around the same price.

Make sure you have at least 10% down payment if you have not added trade-lines to your CPN number.

Also make sure to wait at least 10 business days from making your CPN number before applying for a loan.

This will give your public record enough time time be properly published. It will also show a break in the inquiries which is good.

Because if your report is full of the no one will lend to you.

If you have added trade lines follow the same process.

The only difference if you will be able to get a more attractive APR rate and a flexible down payment.

Banks will ask for less verification since there is already history on your report.

As a side note, find a car you can afford to pay on monthly.

Because using a CPN number and defaulting on loans is asking for trouble.

Go to the dealership with everything in hand, pick out your car get your paperwork done and you are good to go.

Please remember all dealerships have their own policies in place.

Call ahead and let them know your intentions instead of just showing up and trying to pass your CPN by as a SSN.

If you don’t already have a CPN number, get access to our Do It Yourself Package HERE. This program will help you generate your own CPN number in under 15 minutes.

A: By understanding the law and applying credit re-establishment techniques, our proven methods specialize in the establishment of credit through a completely new legal credit file. With a new credit file, you will be able to build a new credit-worthy profile with a high FICO score very quickly.

A: As soon as your new credit file has been assigned to you, your new credit profile is created, then you can start applying for credit only after the tradelines have posted to your new credit profile, and you have a posted FICO credit score associated with your new file. 

A: YES; You can use your new credit profile obtain major credit cards, department store cards, gas cards, auto loans, bank loans, real estate, and any other type of financing you desire.

A: Private money lenders only not government loans.

A: The only way your new credit profile can get mixed in with your old with our service is by willingly disclosing your old credit profile information with your new one. Please download our free guide to understand how to manage your file responsibly. 

New CPN File | National Standards & Practices | 2022

How to legally manage your new consumer credit file. National Codes of Conduct for New Credit. Questions call support @ 1 (800) 597-2560

“I would not use a CPN especially if you have questionable credit,” said John C. Heath, a credit expert and consumer attorney for Lexington Law. “It may be seen as an attempt to deceive a creditor about your creditworthiness (even if that is not your intention).”

Correct answer:  What Lexington Law is not telling you is that it is completely legal to use a CPN to conduct your personal financial business…obtaining basic consumer type credit. If you do not pay these bills that’s when you can get yourself in trouble if they prove that your intention was to purposely elude creditors and evade paying your committed debts.

“CPN sellers also often tell consumers they can apply for and receive credit from lenders and that their credit transactions will be reported to the three major credit reporting agencies — Experian, TransUnion and Equifax.”

Correct answer:   When we register the CPN number and your personal information with all three bureaus this is EXACTLY what occurs…No myth!

“Equifax asks for Social Security numbers and not alternatives,” said Nancy Bistritz, director of public relations and communications for the credit reporting agency.

TransUnion sent us a similar statement….

“TransUnion uses Social Security Numbers to identify consumer data for credit reports,” said David Blumberg, public relations director for TransUnion. “This approach is the standard for our industry because it supports the most accurate matching.”

Correct answer:   The five agencies that require you to give them your SSN do not include the private sector credit bureaus. This is the premise as to why the number is completely 100% legal for use to conduct your personal financial business without exposing your sensitive information to these bureaus that are not required on ALL levels to access it. The Equifax breach is a prime example why EVERYBODY should possess a CPN number!

“If these numbers are such scams then why are consumers in danger of prosecution when countless companies are clearly marketing and selling them without recourse. Seems that if the CPN is in fact illegal then some accountability lies with the agencies that issue them……additionally, I’ve known about the CPN for years now and have seen several individuals “start over” with them and how are lines of credit being offered and approved if reporting agencies don’t except or recognize them?”

Correct answer:  Because they are legal to have and use as long as you pay all of your bills responsibly. They just try to discourage the purchasing and use of them through manipulative ads and vague interpretation of the law betting that most consumers are dummies!

“Why does the Social Security Administration offer them if you can’t use it for anything legitimate? Doesn’t make sense.”

Correct answer: They are issued by the SSA to all immigrants when they come over to work. They tell you its not for work and its not a social security number. Then what is it?  It is a CPN used for personal financial business!

Companies offering credit privacy numbers boast two big selling points. Nonetheless, despite these supposed pros of getting a CPN, Credit Privacy Numbers end up still being a hindrance when it comes to getting a business loan.

Correct answer:   You can only use it to obtain credit and financing personally and then use the personal funds to accellerate your business.

  1. It protects your Social Security number.

People who are worried about identity theft and dislike the idea of sharing their Social Security number with anyone might get a CPN thinking they can use it as identification instead of their SSN.

In reality, however, if a lender asks for your SSN, they aren’t going to be satisfied with your credit privacy number. Think about it: You’re asking a bank to lend you tens or hundreds of thousands of dollars, trusting that you will pay it back, but you don’t trust them enough to share your SSN?

Correct answer:   This is a weak response…A CPN does protect your SSN! It is a firewall!

  1. It can help you clean up your credit history.

CPNs are often promoted as part of a plan to improve your credit. When you do an online search for “credit privacy number,” lots of credit repair programs pop up. By using the CPN, these companies claim, you can apply for credit cards, lines of credit, or loans, and the companies involved will never find out that you have bad credit.

Correct answer:  This is true in most cases…and these companies are not priveledged enough to have entitlement to your SSN credit.

However, it’s pretty obvious rather than improving your credit history, the credit privacy number is intended to hide it. And common sense will tell you that as long as the CPN is connected with you—your name, address, and other identifying information—it’s a simple matter for credit sources to uncover your credit score, no matter which ID number you use.

If anything, using a credit privacy number will make them more suspicious of your creditworthiness. And though it’s a difficult reality to face, that’s why you should focus on fixing your score instead.

Correct response:   A CPN is the first step to fixing your credit past. It allows you to stop using your SSN for credit and allows you to continue forward. Only then can you stop and fix your SSN credit. Down the road you should bring both of the files together to report together.

“NEW LAW STOPS CREDIT PROFILE NUMBERS- Superior Tradelines”

Correct answer:   There is no new law and they are not in the CPN business and do not report tradelines to CPNs. That is why they are full of reckless irresponsible banter. They have no knowledge of them and they know by talking about CPNs it will increase their Google rankings.

“What Is A CPN? Fraud Just Waiting to Happen- Wallethub”

Correct answer:   Only if you take the money that you obtained by using the CPN number and don’t repay it. They will say that you intentionally misled creditors and that is fraud! They have no knowledge of them and they know by talking about CPNs it will increase their Google rankings.

“Your One-Way Ticket to Jail, the Credit Privacy Number- Creditsesame”

Correct answer:   Only if you take the money that you obtained by using the CPN number and don’t repay it. They will say that you intentionally misled creditors and that is fraud! They have no knowledge of them and they know by talking about CPNs it will increase their Google rankings.

“What Is a Credit Privacy Number? Nerdwallet”

A credit privacy number, or CPN, is a nine-digit ID that can be used in lieu of a Social Security number for credit reporting and other financial purposes, like applying for a loan. Also called a credit profile number, a CPN is primarily used for tracking credit history or applying for loans. You’ve probably heard of CPNs in the context of credit repair: A company will promise to issue you a CPN that will make it easier to qualify for new credit or get rid of bad debts. But be careful: Sometimes, those companies are selling a service that’s useless or even outright illegal.

So why use a CPN instead of an SSN, anyway?

Like an SSN, each person can only have one CPN. It’s used as a unique identifier for your financial transactions and lets lenders and credit reporting agencies keep an eye on your borrowing history. However, a CPN can help you keep your finances safe and hidden from the public eye. For that reason, it’s popular among elected officials, celebrities and people in witness protection programs. As the name implies, it’s mostly used by people who need a little extra privacy.

A CPN isn’t always a substitute for an SSN, though: You can’t use it for documents submitted to the IRS or an employer, registering a vehicle or applying for a government loan, for instance. If you have a CPN, it’s on you to know when you can and can’t use it.

BEST CREDIT REPAIR METHOD

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