2nd Life Credit
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. You can verify check to see if your CPN is someone’s SSN by going to this website:
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 information about file segregation and other CPN related scams here.
Q: How long does it take to receive the number?
A: Typically it takes 24hr – 72hrs.
Q: How can I trust that your company is legit?
A: We offer a Money Back Guarantee and we 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 have a money back guarantee.
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. (link)
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. (link to a list of government programs.)
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 your pricing options for more details.
Q: What is a Credit Profile Number (CPN)?
A: It is any nine digit number separate from your social security number, but not excluding a SSN, 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.
Q: Can I use this number instead of my social security number?
A: No, but in certain situations some numbers which are used which can be defined as a CPN can be used in place of a SSN, such as when Opening a bank account, Applying for business licenses, and any other instances deemed by law. Please note the Credit Profile Number (CPN) does not replace your SS number, this 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 BACK FUNDING, which requires a individual to list a SSN number.
Q: What can I use my new Credit Profile Number (CPN) for?
A: You can use your Credit Profile Number (CPN) for Opening a bank account, Applying for business licenses, and all credit-related purposes besides employment, IRS and taxes. It is a well documented fact that numerous credit accounts has been issued to individuals and individuals owing business who received credit cards, car loans, certain types of mortgage, personal loans etc with the use of EIN's, TIN's, ITIN's and SSN's, which are all considered CPN's when used outside of it's natural used and approved for credit. Please understand a SSN has been issued and used for Social security Purposes and is not and was not intended to be inherently a credit number to be used by anyone who opens a service or bank to lend money goods or services; and the same is true for ITIN's, EIN's, or TIN's. These number are not localized and are used throughout the entire credit system, and are being used beyond their original scope.
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 Credit Profile Number (CPN). You must remember that while you are DEVELOPING YOUR BUSINESS OR PERSONAL CREDIT, you must use your new Credit Profile Number (CPN) wisely, WHETHER YOUR CPN FILE IS BASED ON YOUR LEGAL SSN, ITIN, EIN, TIN.
Q: Is this legal?
A: "Yes. You can use the existing laws to your advantage for a change. Due to certain rights guaranteed by the 1974 US Privacy Act Title V, you have the right to keep your SS number private and not be denied service due to your refusal. The credit bureaus are not government agencies, so you do not have to give them your SS number." is a commonly made statement legal CPN found online and posted here, but our statement to further the above statement, "Is all government numbers that are issued legally which are used legally throughout the credit system standing on their face value are in fact legal. But their are laws which govern their use, so please be aware the that you do not violate any legally listed law on either the federal or state level. We are not a legal counsel, but we do encourage you to perform the necessary research or hire counsel to answer specific questions regarding this question." Kristin, Owner, CPN and Finanancial Freedom.
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 reestablish your credit, by applying for credit and other lines under the law. Yes you will have a credit file when; A) the government issues you a 9 digit number, and B) when this information is filtered into the credit bureaus computer which will automatically record it, file it, and create a new credit file without your knowledge or consent, ONLY BECAUSE IT IS A 9 DIGIT NUMBER, AND IT WILL RECORD YOUR NAME, DOB, AND ADDRESS, REGARDLESS IF IT MERGES THIS INFORMATION OR CREATE A NEW CREDIT FILE, WITHOUT YOUR EXPRESSED CONSENT OR KNOWLEDGE. So yes; you will have a credit file and a FICO score without doing anything other than registering or using your EIN, ITIN, SSN, TIN within normal applications of those 9 digit numbers.
Q: Are you saying that I can use my Credit Profile Number CPN to buy investment property or get a loan to start a business?
A: Yes. Leverage is a tool that has been used by the wealthy for generations. Their are numerous examples of EIN's, TIN's, ITIN's and SSN's being able to secure loans, financing, auto loans and homes.
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: Is it Legal?
A: Specifically, there is no law that says that a consumer cannot secure one or more nine-digit tax identification numbers. Specifically there are no laws that say that consumer cannot develop or obtain the additional supporting criterion to apply and obtain credit as long as it is not done with the intent to defraud. The legality of creating a new credit file has always been a topic of great debate amongst the credit file is based primarily on the fact that there is no intent defraud and or with untrue misrepresentations. It is the belief of many professionals, that it can be done legally as long as no fraud is intended (intent is the key word).
Q: Is the the NEW 9-digit number a 2nd Social Security Number?
A: NO; It is not a 2nd Social Security Number. Your new 9-digit number will be assigned to you for credit establishing purposes only. You will continue to use your SS# for employment, taxes, state benefits and for your drivers license.
Q: Can I use the NEW 9-digit number to open Bank Accounts and apply for personal loans?
A: YES
Q: Can I use the new 9-digit number 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 anyone do this?
A: Absolutely, you do not need any special skills or knowledge. We have taken the complexity of the attorney and CPA knowledge base and condensed it into an easy to follow and very simple process!
Q: Can I use my new 9-digit number for employment?
A: In most cases no, remember one of the criteria for using your current social security number is for employment. Employers have to use your social security number to report wages earned and taxes owed to the IRS by law.
Q: There are a lot of credit repair scams out there, are you legitimate?
A: Absolutely! Everything we offer is completely legitimate and completely legal.We will never promise you anything that we cannot follow through on. Furthermore, we are also a credit repair company and can get you LEGALLY back on the road to financial freedom!
Q: Can I order for me and my husband / wife / partner?
A: Absolutely! This is an individual program that can work for both the husband / wife / partner.
Q: Does this affect my drivers license, current SS#, or any other personal identification?
A: No; This program utilizes the law to establish a completely separate and legal entity from your current individual profile. Your name, drivers license and other forms of ID will not need to change in any shape or form.
Q: What about on a credit application, won't they ask me for my social security number?
A: Credit applications will always ask for a social security number because this is the most convenient way for creditors to get a hold of as much personal information as possible. But with this type of credit re-establishment through a completely separate and legal entity, they will require the new entity information which will be in the form of your new profile information including new 9-digit number. Your new 9-digit number will be the identifier for your new profile and not your social security number. Also remember, you do not have to release your social security number without mandatory disclosure.
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. If you utilize your new credit profile within the legal structure designed for this type of completely separate and legal entity, releasing your old profile information will not be necessary unless you voluntarily use it.
Q: Is it Ethical?
A: Yes, it is practical to create a new credit file if you are burdened by damaged credit and it is beneficial to return to a NEW CREDIT status. Considering some Attorneys and Credit Specialists that know about these techniques have charged their clients up to $10,000, we feel it is very ethical.