Frequently Asked Questions

Lease Approvals

Q: Am I guaranteed approval for my lease using the CPN?

A:Yes.

  • By following our instructions and helpful hints, rent or lease approvals are 100% guaranteed utilizing a CPN with 1 authorized user trade line.

  • By following our instructions and helpful hints using a BLANK CPN WITH NO CREDIT SCORE OR HISTORY, lease approval chances are above 90%, taking into account outside factors such as your income and the specific property you are applying for. 

 

In order to be eligible for a refund you must do the following:

  • Provide 3 recent lease/rental denial letters dated after you received your new CPN

  • Provide copies of the actual applications submitted in order for us to see you've followed our instructions

Q: What is an Authorized User Trade Line?

A: Authorized user tradelines are typically revolving lines of credit on which someone places another as an authorized user account holder. The tradeline then appears on the user’s credit report.

It is called an “authorized user,” because the person added is merely authorized to use the credit card, but has no obligation of repayment.

In addition, the authorized user “inherits,” so to speak, the previous payment history and characteristics of the account established by the primary cardholder. This is why credit scores can increase when a person is added as an authorized user to an account in good standing.

Q: If I'm not approved for my lease using a CPN, can I get a refund?

A: Yes. If you are not approved for a lease after following our instructions and helpful hints, we will give you a full refund upon receipt and verification of 3 lease denials.  

What's Needed to Get Started

Q: What if I don't know how to get a new address?

A: There are several ways to obtain a new address for these purposes. To name a couple:

  • Use a family member (brother, sister, mother, father, cousin, etc) or friend. Simply ask them and let them know they shouldn't receive any mail there but you are in the process of building new credit and need a new address on file with the credit bureaus. Any address you've never used for yourself will work.

  • Purchase a UPS mailbox (NOT A USPS PO Box!) for $20-$25. To get a UPS Mailbox now, CLICK HERE

Q: What if I don't know how to get a new email?

A: You can get a new email address from several free sources such as Yahoo Mail, Gmail and Outlook. Simply click one of the 3 mentioned here or select another free method of your choosing. 

Q: What if I don't know how to get a new phone number?

A: There are several ways to obtain a new phone number for these purposes. To name a couple:

  • Use a close family or friend's phone number. This method is fine to create the initial profile but you will need a phone number you control when you are submitting applications because they will call the number on file.

  • Create a new Google Voice phone number for free. Simply CLICK HERE to get your new phone number absolutely free. Once you are there, select "For personal use" and it will direct you from there. 

Credit Profile Numbers (CPN)

Q: What is a CPN Number OR SCN Number?

A: CPN Number / SCN Number It 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 which can be issued and used for credit purposed. Those number well protect your Social Security Number (SSN) from identity theft.

Q: Where does the CPN Number OR SCN Number come from?

A: CPN Number / SCN Number are coming from  An independent third party Attorney.

 

Q: Can I use this number instead of my social security number?

A: No. The CPN Number / SCN Number does not replace your Social Security Number (SSN), CPN Number / SCN 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.

 

Q: How long does it take to receive a CPN Number / SCN Number?

A: To obtain a CPN Number / SCN Number it typically takes 2-12 hours.

 

Q: What’s the cost for a CPN/SCN?

A. Pricing is as follows.

  • $125 for 1 CPN

  • $200 for 2 CPN's

  • $300 for 4 CPN's

Q: What can I use my new CPN OR SCN Number for?

A: You can use your new CPN Number / SCN Number for any credit reporting purposes. It's most common uses are credit cards, personal loans, auto leases, apartments/housing, utilities, cable, cell phones, etc.

 

Q: Am I responsible for the debts on my old report?

A: Yes! You are responsible for all debts on your old report and debts incurred with your CPN. You must remember that while you are rebuilding your SSN personal credit, you must use your new CPN wisely.

 

Q: Is a CPN Number / SCN Number legal?

A. Yes, CPN's are legal, but like many things, they could also be abused of and used improperly to break the law. This is why we sincerely encourage everyone to read the instructions provided with your new CPN. 

 

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 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.

 

Q: What will my new FICO be?

A: Any new credit file which is automatically crated by the credit bureaus computer will be blank. You will need to establish your credit, by applying for credit cards and other lines. (NOTE* Adding an Authorized User account is fast, inexpensive and will boost your new credit profile FICO over 720)

 

Q: What does the law say about credit and financial matters?

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.

 

Q: How does this program work?

A: By understanding the law and applying credit re-establishment techniques, our proven techniques specializes in the establishment of credit through a completely separate and legal entity. With your new completely and separate legal entity, you will be able to build a new credit-worthy profile.

 

Q: How fast can I get credit through my new legal entity?

A: As soon as your new CPN Number / SCN Number has been assigned to you, your new credit profile is created and you can start applying for credit. .

 

Q: Can I use the CPN Number / SCN Number to open Bank Accounts and apply for personal loans?

A: YES. But be aware, there are no governmental supporting documents associated with your CPN that can be provided to the bank because your CPN is not a government created or supported number. 

Q: Can I use my CURRENT DRIVER'S LICENSE as ID with my CPN / SCN?

A: YES

 

Q: Can I use the CPN / SCN on credit card applications?

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.

 

Q: Can you use the CPN Number / SCN Number for mortgage?

A: NO...Private money lenders only not government loans

Q: Can I use CPN Number / SCN Number for employment?

A: NO

Q: Will my current credit profile get mixed in with my new credit profile?

A: The only way your new credit profile can get mixed in with your old in our program is by willingly disclosing your old credit profile information with your new one.

HERE IS HOW WE DEBUNK THE MYTH OF "is it legal?"

“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 a heap of 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 privileged 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.