Obtain a new clean credit profile with a CPN number that can be used in place of your SSN for credit purposes. This is a nine digit number that is identical to a SSN. This is not a second social security number, but can be used to establish credit only.
Frequently Asked Questions:
1. Are CPN numbers legal?
Yes, according to the Privacy Act of 1974 Title V, individuals cannot be denied service at banks and other private financial institutions based on their unwillingness to disclose their SSN number. The SSN number was made for paying taxes, and other governmental purposes. (http://www.usdoj.gov/oip/privstat.htm)
2. What can you obtain with a CPN number?
You can obtain anything credit related, such as personal and corporate credit cards, auto loans, etc.
3. What will your new FICO be?
With a new clean credit profile, you will have a high credit rating above 700 for credit purposes only.
4. Can you use your new CPN in place of your SSN?
No, your CPN does not replace your SSN. Your SSN is to be used for tax purposes, child support, military, DSS income, SSI, FHA, or any government related.
5. Are you still responsible for the debts on your old report?
Yes, you are still responsible for your debts on your old report and any new debts that occur on your new report. You must use your CPN wisely for credit purposes.
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