Important Q&A

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Answers to all your questions on CPN / SCN Numbers

100% Legal

Federal law allows individuals to legally use CPNs for financial reporting and protects those individuals who do not wish to disclose their SSAN.

More Information About Legal CPN / SCN Numbers

CPN / SCN Numbers


CPN / SCN number is a 9-digit number separate from your SSN number. CPN / SCN has the same genetic makeup as the Social Security Number but is not a SSN. It is not a government issued number such as in EIN or TIN or SSN. It is a unique 9-digit file number available to the credit bureaus that can have payments and financial information reported to. A person has the right to establish his or her CPN / SCN number only once, so he or she must never abuse it. You’re completely responsible for any debts on your SSN and your new CPN / SCN numbers.


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


Please note that a CPN / SCN does not replace your SSN, this number can only be used for Credit Reporting purposes. 

 How it Works

SCN numbers can be utilized in place of one's SSN when applying for credit. It is a person's legal right to keep his or her SSN private and employ a separate number for credit related reasons. Using a credit privacy number makes it easier to segregate finances in the event of identity theft. Without access to a SSN the thief is somewhat limited in the amount of difficulties they are creating for the rightful owner of the number.


Getting a Private 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 / SCN number for anything that usually requires credit reporting purposes. Like credit cards, auto loans, cable, utilities, apartments and bank accounts using this number.
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 to it by applying for a credit card or other credit lines under the law.


What More?


CPN / SCN Numbers are separate from your SSN. It help to protect one's SSN from various internet threats such as identity theft. These numbers can be used in place of the Social Security Number 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 to any private entities. When it comes to the legality, SCN numbers are completely legal. However, it should be kept in mind that they can be utilized for credit purposes only and not for deceitful intentions.


FBI: “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"

 Http://www.fbi.gov/stats-services/publications/mortgage-fraud-2008