Credit Privacy Number / Credit Profile Numbers, CPN,
How To Build Them Up & Maintain Them!
Just to show you how legal CPN /SCN, are we thought we would show you what the FBI has to say for yourself at http://www.fbi.creditprofilenumbers.com .
We have also taken the liberty of cutting and pasting the section of the FBI web page below that most relates to CPNs for your convenience. But we encourage you to go to the link above and read the entire article for yourself.
35. Credit Privacy Numbers (CPNs) are nine-digit file numbers 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.
Freddie Mac also says that CPNs are legal. You can read the excerpt that we have cut and pasted or you can read the entire article for yourself at the link below the article.
The CPN is a nine-digit identification number that looks like a social security number (SSN) and may be used in lieu of an SSN, for such purposes as obtaining credit.
One has the legal right to keep his/her SSN private. In certain circumstances, consumers are required by law to disclose their SSN, such as to the Internal Revenue Service, employers, when registering a motor vehicle, buying a firearm, or applying for a federally insured loan. In other circumstances, federal law allows consumers to legally use a separate identification number, videoder apk hence the opportunity to establish a CPN for a credit file. CPNs are commonly used by celebrities, members of Congress, and witnesses protected by the federal government to help protect their privacy and security.
OK! Now that all that stuff is out of the way I want to reiterate one more thing before we get started. Although CPNs are legal to use to build credit you are responsible for any and all debts you accrue.
Building and Maintaining Your CPN Best Practices!
The first rule is that you should never use your CPN for anything to do with the federal government period.
CPN /SCN,s are strictly for credit purposes. Never apply for credit at any place where you have use your name, social security number, phone number, email address or home address before with your CPN with out making sure that nothing on you application can relate back to your primary information, because they will invalidate and or merge your old and new credit profiles.
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When applying for credit over the phone use a phone number that you’ve never used before and if your applying online make sure that your using an IP address you have never used before. Creditors use software that can track both.
Remember if you were to cross contaminate your new credit file with your old one the credit bureaus would merge the two files and flag your account thus making your CPN worthless.
Getting a denial from a credit application is normal and to be expected. This process actually works in your favor; it validates you and helps establish your new credit profile.
Establishing your new CPN, by getting a secured Visa, Master Card, or American Express is a must. You may also want to use Jewelry store and department store credit cards to help establish your new CPN.
Do not add anyone aptoide apkto your CPN credit accounts, doing so could get you’re CPN cross referenced. Make sure to always apply for new credit over time, applying for to much credit to fast will get you flagged.
Adding Authorized User accounts is a very good way to boost your credit history and your FICO score. Authorized User accounts can show up on your CPN in as little as 30 to 60 days.
The most important rule in owning a CPN, Credit Privacy Number, Credit Profile Number or what ever you want to call it is never cross reference it.
Thank you for your time!
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