CPN/SCN
FAQ
Q: What is a Credit Privacy Number (CPN) / Credit Profile Number (CPN) / Secondary Credit Number (SCN)?
A: A Credit Privacy Number (CPN) is 9 digit number that’s given out in place of one’s social security number for financial purposes. It’s used to protect one’s social security number and any personal & financial information that may be connected to it. It’s also known as a Secondary Credit Number (SCN) or Credit Profile Number.
Q: Is this legal?
A: Yes. According to the FBI website:
“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.”Does that answer your question?
Q: Are these numbers from deceased or incarcerated people?
A: No. Although being incarcerated can affect social security benefits, the numbers aren’t re-assigned anywhere. Social security numbers of the deceased are placed the Social Security Death Index database and are a matter of public record.
Q. Is this file segregation?
A: No, definitely not. File segregation is a known scam. This isn’t a program where we tell people to defraud their creditors or use E.I.N./T.I.N. in in financial transactions in place of your social security number. You can find informations about file segregation and other CPN related scams here:
Q: How long does it take to receive the number?
A: Typically it takes 7-14 days for your number to arrive and be completed, after that we will add on your trade lines.
Q: How can I trust that your company is legit?
A: Several reasons:100% GuaranteeWe spend the time to educate you when other sites only give you generic, copy and pasted information.
Q: How can I be guaranteed this will work?
A: It’s legal and we guarantee our services
Q: Can I have more than one number?
A: Generally no but there are special circumstances when you can get another number. One number will have to replace the other.
Q: When filling out an application for example (a department store), would I put the CPN in place of the S.S.N.?A: To answer the question: Yes.If you’ve purchased your number already, you should have a worksheet from us that has the all your information to avoid merging your file w/ your ssn. If you haven’t made your purchase click here.
Q: Can you use the CPN to refinance on a mortgage?
A: Yes and no. Yes, if you used your cpn to finance the mortgage you can do so. No, because if your original number is w/ your social security number you’d merge your accounts.
Q: What happens when you merge accounts?A: Your old credit history will be linked to your cpn and you lose the advantage of having a new credit profile. However, you still retain the ability to protect your social security number.
Q: Can I use the CPN to rent an apartment?
A: Yes. There are steps you need to take to do that properly. When you purchase your number from us you’ll received detailed information on how to do that.
Q: What will my new FICO Score be?
A: Because your credit history will be new you’ll have to estable your new FICO scoreby follow certain steps and maintaining good financial practices. We also provide information on how to a establish a high credit score within 60-90 days.
Q: What can I use my new CPN for?
A: It’s used for financial purpose such as loans, establishing bank accounts, utilities, etc.Q: How soon can I run my new credit?A: As soon as you get your CPN.
Q: How soon can I apply for Credit?
A: Same as above. As soon as you get your number.
Q: Good places to apply for credit
A: There are many lenders but we recommend you apply for the Capital One’s Newcomers Platinum Card for various reasons.
Q: If I have a criminal background, can I get a number?
A: Yes. Criminals still have rights.
Q: Can I use this number instead of my social security number?
A: When using on financial documents for credit reporting purposes, yes. However, it’s not an alternate social security number. It’s not to be used on government documents.
Q: Am I responsible for the debts on my old report?
A: Absolutely. A CPN is not credit repair because all your debts still exist. You’re still obligated to pay all of it back. The number only creates a new credit profile and does not replace your old credit history.
Q: Can I use my ID with the CPN.
A: It would be better to rephrase the question to: Should I use my ID with my CPN? That answer is: It depends. You must know what the ID is being used for so you avoid merging your accounts. For this reason we recommend using your passport as an alternate form of ID depending on what you’re presenting it for.Q. What’s the cost for a CPN?A: See application for details
