What is Credit Privacy?
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- Can Credit Privacy Accounts Really Help If I Have Bad Credit?
- How Are Credit Privacy Numbers Different From ITINs and Social Security Numbers?
- What about getting a new SSN?
- How to get into any Apartment: Method explained
- Get started with your Legal New Credit File
- Use a Legal New Credit File to protect your SSN Social Security Account for Retirement
If you’re struggling with poor credit scores, you know they can pose plenty of challenges.
A poor credit score can keep you from getting approved for a credit card or a car loan. It can make renting an apartment difficult if not just plane impossible.
Well you can start a NEW credit history by getting a Credit Privacy Account that comes with a number called a C.P.N. a.k.a. Credit Privacy Number.
A CPN, is a nine-digit number that’s formatted just like a Social Security number (SSN). It may also be called a credit profile number or credit protection number.
CPNs are a way to use newly aged credit history while you fix a bad credit history or bankruptcy. You can use the CPN instead of your SSN to apply for credit with your new credit identity.
Do CPNs Really Help With Bad Credit?
CPN’s do not replace your SSN, CPNs are legitimate. For example, CPN numbers can be fully tri-merged and registered with the Social Security Administration if you need that extra insurance.
When you’re eager to repair your credit it’s easy to start a new CPN file while your SSN credit can be in for repairs. Credit repair can take 2-3 times longer than getting Legal New Credit File working for you now. Register a new credit file free HERE.
How Are CPNs Different From ITINs and Social Security Numbers?
The Internal Revenue Service (IRS) uses taxpayer identification numbers in administering tax laws. SSNs and Individual Taxpayer Identification Numbers (ITINs) are two types of taxpayer ID numbers. SSNs are issued by the Social Security Administration; they’re what most people use when filing taxes.
ITINs are issued by the IRS under special circumstances for some non-resident and resident aliens, their spouses and dependents who can’t get SSNs. An ITIN is formatted like an SSN, with nine digits and dashes; the difference is that all ITINs begin with the number nine.
CPNs are nine-digit numbers that resemble SSNs and ITINs.
What About Getting a New SSN?
When poor credit is costing you money or opportunities, it’s natural to wish you could start all over again. However, getting a new SSN isn’t the answer. The IRS can issue a new SSN only if:
- Sequential SSNs assigned to members of the same family are causing problems.
- More than one person is assigned or is using the same SSN.
- A victim of identity theft is having ongoing issues as a result of using their original SSN.
- Someone is being harassed, abused or their life is in danger.
- You have religious or cultural objections to numbers or digits in your original SSN.
Even in these extreme situations, getting a new SSN isn’t easy. You’ll have to prove there’s a good reason for the change by providing all the documentation the Social Security Administration asks for and getting others (like the police or your church or temple) to support your request.
More to the point, getting a new SSN doesn’t mean you can leave the old one behind. To make sure you get credit for all your earnings and receive the right amount of Social Security payments when you retire, the Social Security Administration will cross-reference your new SSN with your original SSN.
No matter what you do, you and your original SSN are permanently linked.
What about If you need to rent an apartment or home but have:
- bad credit
- past evictions
- self employed
- no credit
Then a proven safe Credit Privacy Account and new separate consumer accounts is what you want
learning exactly what you need to do in order to rent an apartment or get new Credit Cards using a CPN number keep reading.
This is used by tens of thousands of people in the U.S. every day.
First you will need to understand a few things associated with the rental of an apartment using your new CPN profile.
A Credit Privacy File Number is designed exclusively for Credit Reporting purposes.
If you have been evicted before then that eviction will not show with a CPN profile.
Companies only look through public records if you have bad credit or history of late payments on your credit report.
Since your Credit Privacy Number will be “Clean” you will get in.
You can apply as normal using the instructions below.
First you want to find a house or apartment complex that has vacancies.
If there are no vacancies don’t bother applying for waiting lists.
Your CPN number or trade-lines may change over time.
When they pull a new report prior to your move in it may not be the same since you will most likely be applying for other things using your new CPN number.
So make sure you check your credit score with creditchecktotal.com or the a similar site prior to having a complex run your credit.
Find a rental you can afford!
As with everything else you purchase with a CPN number you want to be sure your actual funds can cover your intentions.
Gather the following documents before you go to the rental office.
Alternate ID: Such as US Passport, Passport card (they do not show an address) or State ID see our “How to” HERE
Pay stubs. Go to our facts page HERE
The application fee
When you arrive at the complex talk to whoever you talked to on the phone from your new profiles phone.
READ: “Apartment Complex Sit Down” Q & A on our Facts page HERE
Fill out your paperwork and be patient for your move in date, it’s straight forward.
If you want to get a luxury rental or a lower deposit amount we suggest you use a rental trade-line from us HERE which will drastically increase your scores and drop your entry fees.
If you use the CPN Apartment Rental Package alone WITHOUT a tradeline expect to pay:
1st Months Rent
Last Months Rent
If you have a FICO credit score posted on your CPN file because you bought a tradeline for your CPN Apartment Rental file expect to pay:
Security Deposit (maybe)
1st Months Rent
Saving up-to $3,000.00 by not having to pay the extra fees and additional months rent can make or break your CPN Apartment Rental move in deal.
- Very Important: Never allow anyone to run your old address or any information other than the information you provided them with. It is illegal for someone to use information you did not provide them with for a credit check.
- Do not attempt to refinance anything that was purchased under your SSN with the CPN profile number no matter how great the rates look, because this will also merge your credit profiles together and will be denied credit.
- When applying for credit ALWAYS use your new address associated with the CPN, if your license or ID still contains the old address make sure the creditors do not run it with your CPN because this will merge your old credit profile with the new one. 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).
A great User Story if you have time: "A New Credit File Saved My Moms Life"
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Register @ Legal New Credit File FREE!!
- For your original SSN Credit & your Legal New CPN File do the following: Reduce your credit utilization ratio. This ratio shows how much of your available credit you’re using and is second only to payment history in credit score calculations. To keep your credit scores in good shape, you should use no more than 30% of your available credit, but for the best scores, think single digits. Learn more about how your credit utilization ratio is calculated and how to improve it.
- Delay applying for credit. When you apply for a loan, credit card or another type of revolving credit, the lender will ask one or more of the credit bureaus for your credit file, which causes a hard inquiry on your credit report. Hard inquiries cause a dip in your credit score. Although the dip usually lasts only a few months, applying for several credit cards or loans at the same time may suggest to credit scoring models such as FICO that you’re in financial trouble, which can hurt your credit score.
- TIP: When applying for credit only do “pre-authorization“ credit applications so there isn’t a hard inquiry.
- Keep old credit accounts open. If credit cards burn a hole in your pocket, closing the account after you pay one off may seem like a smart way to remove temptation. But doing so also reduces your total available credit, typically increasing your credit utilization ratio. Keeping older accounts open also shows that you’ve had credit for a long time, which helps your credit score. Even if you don’t plan to use them, consider keeping older credit accounts open.
- Try using Experian Boost. Experian Boost helps you get credit for your on-time utility and telecom payments by adding positive payment information to your credit report. In many cases, this results in a boost to your FICO® Score☉.