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CPN / SCN Questions and Answers

There is a lot of different information everywhere, we try to give you the residency to all the questions you might have about CPN Number (Credit Privacy Number) / SCN Number (Secondary Credit Number) and our amazing programs.

Answers to all your questions on CPN / SCN Numbers

CPN Number / SCN Number IS LEGAL

The government actually endorses consumers to have a CPN Number (Credit Privacy Number) / SCN Number (Secondary Credit Number) to protect their social security number from being compromised by identity theft.

More Information About Legal CPN Number / SCN Number

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CPN Number / SCN Number

First we have to say that CPN Number (Credit Privacy Number) / SCN Number (Secondary Credit Number) are the same thing! or any other name people use.

A CPN Number (Credit Privacy Number) / SCN Number (Secondary Credit Number) is a unique nine digit identification number that can be used to report financial information to all three credit bureaus. A CPN NUMBER /  SCN Number is registered with the Three Credit Reporting Bureaus the process to do so called TRI-Merge (Submitting your personal information & the CPN / SCN to the 3 credit bureaus) and after that you will be able to have payments and financial information reported to.

Currently the U.S. Government allows you to possess and use another 9 digit number beside your Social Security Number (SSN) to compile your personal financial information. But you are not allowed to abuse these numbers and you will be completely responsible for any debts on your Social Security Number (SSN) and your new credit profile under the CPN Number / SCN Number.

It is your legal right to keep your Social Security Number (SSN) private by using a separate number for credit related purposes. The law says you are only required to disclose your Social Security Number (SSN) to the Internal Revenue Service, your work place (your employer), registering a motor vehicle, applying for a federally backed loan (FHA, Fannie Mae, etc), child support, DSS income, SSI taxes, and buying and registering a firearm.


Note that a CPN Number  / SCN Number does not replace your Social Security Number (SSN)

THIS NUMBER CAN ONLY USED FOR CREDIT REPORTING PURPOSES!

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How does CPN Number and SCN Number Work ?

A CPN Number and SCN Number can be utilized in place of one's Social Security Number (SSN) when applying for credit. It is a person's legal right to keep his or her Social Security Number (SSN) private and employ a separate number for credit related reasons after you received the number you will need to TRI-Merge your personal information to the three credit bureaus. then you will have a clean new credit file this profile will have a 0 score at the beginning because like Social Security Number (SSN) you need to build credit step by step.

To Build a Credit Score You Have Two Option:

1.The slow and standard way when beginning to build your credit, start off small and look for options available for those with little to no credit: apply for Secured credit cards, Student credit cards & Retail credit cards

2.The faster way is getting Tradelines (authorized user accounts) now how you do that? You can ask to become an authorized user a close family member or friend's credit card is a great option to consider. The history of the card is reported to the credit bureaus, so if you and the card-owner use it responsibly, it should help the both of you. OR if you don't have someone to help you YOU CAN ASK US AND JOIN OUR TRADELINE PROGRAM.

When it comes to the FICO SCORE, any new credit file which is automatically created by the bureaus computer will be blank and you will need to re-establish credit by applying for a credit card or other credit lines under the law.

More Information About CPN Number & SCN Number

A CPN Number or SCN Number is separate from your Social Security Number (SSN). It helps to protect one's Social Security Number (SSN) from various internet threats such as identity theft. These numbers can be used in place of the SSocial Security Number (SSN) when an individual applies for credit.

Creditors do not get any benefits when their clients get a new credit file. Based on the 1974 Privacy Act, a person is not obligated to give his or her Social Security Number (SSN) to any private entities. When it comes to the legality, CPN Number (Credit Privacy Number) / SCN Number (Secondary Credit Number) are completely legal. However, it should be kept in mind that they can be utilized for credit purposes only and not for deceitful intentions.

Using a CPN Number (Credit Privacy Number) / SCN Number (Secondary Credit Number) makes it easier to segregate finances in the event of identity theft. Without access to a Social Security Number (SSN) the thief is somewhat limited in the amount of difficulties they are creating for the rightful owner of the number.

Getting a CPN Number (Credit Privacy Number) / SCN Number (Secondary Credit Number) does not release a person from his or her previous debts. In fact the individual remains liable for all debts incurred on credit accounts referencing a SSN OR CPN OR SCN. Obtaining this number will not replace old bad credit. That is what makes it different from any credit repair or restoration scams.

You can use a CPN Number / SCN Number for anything that usually requires credit reporting purposes.

You can use a CPN NUMBER TO GET: Credit Cards, Auto loans, Cable, Utilities, Apartments, Office and open Bank accounts.

FBI Website:

“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"

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