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Ever heard of a CPN number, credit profile number, or SCN? If not you should probably do a quick google search. There is debate whether CPN numbers are legal or not. It’s a very grey subject, there is no evidence to prove that
CPN numbers are illegal. Under educated financial experts creating CPN numbers the incorrect way and, using CPN numbers for illegal purposes have given the process a bad wrap. Government agencies use CPN numbers to protect the identity of their employees in covert scenarios. High profile individuals use them to keep their financial and personal information safe. CPN number are just a 9 digit number you use to report credit related items exclusively. To use one you just need to know how to stay within the permissions of US law.
There might not be evidence that CPN numbers are illegal but, there is solid and conclusive evidence that they in fact are legal.
In 2008 the FBI published a study on mortgage fraud which aimed to provide insight into the breadth and depth of mortgage fraud crimes perpetrated against the United States and its citizens during 2008.
The FBI in this study concluded the following, which is a exert directly from there website which I will link below Section #35:
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. Acquiring a CPN is supposed to be a free service; therefore, Web sites that offer CPNs for a fee are most likely scammers.
If you don’t believe me? That’s cool. Click the link below and scroll all the way to the bottom of the page.
This study has been on their website for 9 consecutive years, every individual, company or enterprise that say CPN numbers are illegal is probably misinformed or has a CPN number themselves and don’t want to share the process with anyone else.
On November 5th 2015 Freddie Mac (Federal Home Loan Mortgage Corporation) in a publication posted on their website said the following aimed at protecting individuals from credit repair scams and fraudulent activities.
A Credit Privacy Number (CPN) is a nine-digit number that can be used in lieu of a Social Security number (SSN) for credit reporting and other financial purposes, like applying for a loan. Given that it helps shield your finances from the public eye, it’s most commonly used by borrowers in the public eye, such as celebrities and politicians. But some consumers with poor credit acquire a CPN with the intent of creating a new, clean – and misleading – credit profile.
CPN numbers are 100% Legal to use. Having a credit repair company create a CPN for you is probably not a good idea. This is something that should be done by an attorney or yourself. We have written a comprehensive guide on everything you need to know about CPN numbers and how to use them legally. Here are some of the things we teach in our guide.
How CPN Numbers are created the right way
The History of CPN Numbers
Why you should create your own CPN VS Pay an attorney
Why it’s not a good idea to buy a CPN from a Credit Repair Agency
What are some of the things that can be done with a CPN.
Obtaining credit cards and loans. It’s really a simple process. Just let the institution know you will be using a CPN number. If that specific institution has a policy not allowing the use of CPN numbers let them know you don’t want to disclose your SSN and would like to hear about there alternative identity verification process.
You can not be denied credit because you do not wish to disclose your SSN with a private financial institution, it’s federal law.
31 CFR 1.32 – USE AND DISCLOSURE OF SOCIAL SECURITY NUMBERS.
§ 1.32 Use and disclosure of social security numbers. (a)In general. An individual shall not be denied any right, benefit, or privilege provided by law by a component because of such individual’s refusal to disclose his social security number.
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FBI 2008 Mortgage Fraud Study
Freddie Mac 2015 Credit Repair Fraud Study
FTC 2008 Credit Repair Warning
Cornell Law School
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