CPN Questions

Q.What is a CPN number? A. CPN stands for either Credit Privacy Number.

A CPN is a 9-digit Profile Number that can be used to apply for credit in place of your Social Security Number. This simply gives you a new blank slate! So this means that even if you have a bankruptcy on your credit, this will not show up when a credit check is done using your CPN number. With the help of your new CPN you can get your perfect credit score that will allow you to qualify for top loans at low interest rates.

Q.Is this a Tax ID/EIN?

A. No. Tax ID/EIN are used for businesses and corporations.

Q. How long does it take to receive my CPN Number?

A. You will receive your CPN number within 24-72 hours.

Q. What will my new FICO score be?

A.Your score will be blank. This will give you an opportunity to rebuild your credit score again. One way is to add TRADELINES. You can do this one of two ways- you can ask a friend who has excellent credit to add you to one of their credit cards, or, you can purchase a tradeline, which will immediately establish credit on your CPN credit file. Apply for new credit and make each payment on time. This is your chance for a new start. This can only be done once, so strive for A+ credit. Our company will give you more tips on how to improve your Social Security credit score and your CPN score.

Q. What is the cost of Credit Profile Number?

A. See Pricing

Q. Can I use the Credit Profile Number to purchase a car?

A. Yes, however, you will need to establish credit first. When you receive your new CPN report, it will not have any TRADELINE information on it. Thus, you will need to establish a credit history. You can do this one of two ways- you can ask a friend who has excellent credit to add you to one of their credit cards, or, you can purchase a tradelines from us which will immediately establish credit on your CPN credit file.

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. Use it to opening a bank accounts, credit cards, personal loans, auto loans, apartments, utilities, cable, cell phones, etc.

Q. Is this legal?

A. Yes. Obtaining a CPN number is not illegal. Using it for fraudulent purposes is.

Q. Can I use the CPN to apply for a mortgage loan?

A. NO! In order to do that, you would need to present your CPN number as if it is your original social security number. Lenders can see right past this trick because when they run it, they can tell the date it was established, which would not be near the date you were born. Furthermore, you will not have a social security card with this number on it.

Q. Can I order a report with my new number?

A. Yes, we will give you a free report with this order.

Q. Can I use the CPN to rent an apartment?

A. Yes, again, just make sure you establish credit on it first.

Q. Should I use my current address with my CPN number?

A. No, you should not use your current address while using the CPN number, In fact, you should not use an address that you ever lived at or was affiliated with. You should obtain a mailing address or use a friend’s address. The reason for this is so that your CPN and Social Security Number do not merge.

Q. Can I use the Credit Profile Number to obtain a State I.D. or Drivers License?

A. No. The purpose of Credit Profile Number is to establish credit.

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

A. Yes! You are still responsible for your old debts. But if there are things on your credit report that prevent you from qualifying for loans, then a CPN will be the fresh start you need. Think of it as a second chance. Old bankruptcies and debt will not show on your CPN score. If you have had troubled credit in the past don’t repeat your mistakes.

Q. Does CPN come from people that are deceased or incarcerated?

A. No! Our CPN numbers aren’t attached to anybody including the deceased, and the incarcerated.

Q. When filling out applications for example (a department store), would I put the CPN in place of the S.S.N.?

A. Yes. Just make sure you put a line through S.S.N. on the application and use your CPN number. Also, be sure to use the information you provided us with. Which is your real name, new address, and date of birth.

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TIPS FOR SELECTING TRADELINES

 

The amount by which a credit score can increase is different for everyone. We stick to a few rules of thumb when determining the benefits that you will receive:

 

1. Higher limits and older aged tradelines correlate to bigger credit score increases.

2. More older accounts make your file more solid.

3. If you have nothing on your credit file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.

4. The fewer addresses you have on your credit report, the better. You can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one.

5. Ensure that the tradeline utilization is under 30%. All of ours are under 30% unless otherwise noted in the comment section.

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FREQUENTLY ASKED QUESTIONS

 

How does this work? What is a tradeline?

We  legally adds positive history to your credit report.

We do this by adding you as an authorized user to a tradeline, allowing you to “piggyback” off of the account in good standing. This is possible because creditors will provide credit bureaus the entire account history on any given tradeline for an authorized user. FICO® digests this newly added credit and recalculates your score with drastic improvements.

 

A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered tradelines on your credit report. Your car note is a tradeline. Your mortgage is a tradeline. A student loan reporting to your credit report is a tradeline. The only type of tradelines that we provide here though is Authorized User tradelines, with perfect payment history, low utilization (under 25% unless otherwise noted) and perfect payment history.  

 

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How long does it take for a tradeline to appear on my credit report?

 

Tradelines post 7-10 business days AFTER the statement date given you placed your order at least 4 DAYS BEFORE the statement date. Orders and payments must be made AT LEAST 4 days before the statement date in order for your tradeline to post that month. [We are known to make magic happen.] We guarantee that our tradelines will appear on your report within 20 to 30 business days. Most tradelines will appear much sooner.

 

How long will a tradeline stay on my file?

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The tradeline(s) will stay on your report for a minimum of two posting cycles which is at least 60 days. Certain tradelines like Discover, Capital One and Chase, will remain on 90 days. If you would like to extend a tradeline lease for a fee, please let us know by within 35 days of your purchase.

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How much will my score increase?

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Each person is different, but we recommend to follow the tips above in order to get the best possible boost to your credit score.

 

 

 

What can I do with my increased credit score?

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An increased credit score will allow you to secure better interest and approval rates on credit cards, car loans, and mortgages. It also impacts your car insurance rate, the ability to rent an apartment, put utilities in your name without a down payment, or personally guarantee your own business. Also certain professions/employers require a certain credit rating for employment. Having a higher credit score means better loan terms, hands down.

 

 

 

 

What happens when I am removed from the tradeline? Will my score change?

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When your authorized user lease has expired, the information will remain on your credit file, however it will show as a closed account. This is fine because the more positive accounts on your credit file, the stronger your file will be. The most impact you will get out of the tradeline will be while you are in an active status on the tradeline. Your score may or may not dip slightly when your lease has expired. What we have seen historically is a dip when the authorized user is removed, but not to as low as it was before the tradeline was added. Every file is different. Don’t delay, take action as soon as your tradeline(s) have posted to your credit file.

 

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Do I receive the card?

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No. The tradeline you purchase will appear in your credit file, however you will not get the card. The goal of tradelines is for you to reap the benefit of a credit score increase/file solidification, then reach for your financial goals. What you are purchasing with tradelines is the information to be essentially copied and pasted in your credit file thus giving you an increase to your credit score in a very quick amount of time.

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