Credit Profile Numbers
What is a CPN?
It is a nine digit number separate from your social security number used to track your credit activities and history. CPN stands for Credit Profile Number. This is a nine digit number that is genetically identical to a Social Security number, but has not been issued by the social security administration. Your CPN can be offered in place of your Social Security number with proper notice to vendors/creditors. THIS IS NOT A SECOND SOCIAL SECURITY NUMBER. YOU ARE LEGALLY RESPONSIBLE FOR ANY MISUSE OF YOUR CPN. It will not replace your current social security number. Your CPN will be assigned to you to establish credit only. You will continue to use your Social Security number for employment, taxes, state benefits, and for your driver’s license. Additionally, you are still liable for any debts you incurred on your Social Security number. YOU ARE RESPONSIBLE FOR ANY AGREEMENTS YOU MAKE USING YOUR CPN. Even if you have had a bankruptcy in the past, it will not show up when a credit check is done on you using your CPN number. Always remember to use your new identifying information when you apply for credit using your CPN number.
Can I use this number instead of my social security number?
No, 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 backed funding.
What can I use my new Credit Profile Number (CPN) for?
You can use your new Credit Profile Number (CPN) for anything that would normally require you to use your SS number for credit reporting purposes. Use it to receive credit cards, car loans, a mortgage, personal loans etc.
Am I responsible for the debts on my old report?
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 rebuilding your credit, you must use your new Credit Profile Number (CPN) wisely. If you have had troubled credit in the past don’t repeat your mistakes.
Is This Legal?
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. Yes, you do not have to furnish your Social Security number for credit purposes. Celebrities and others who wish to keep their SSN private, use a CPN for credit. According to the Privacy Act of 1974(www.usdoj.gov), 5 U.S.C. § 552a, Sec. 7(a) (1) It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individual's refusal to disclose his social security account number.
What will my new FICO be?
Your credit profile will be blank. You will need to reestablish your credit, by applying for credit cards and other lines.
Is there another way to re-establish my credit?
Yes, we know that re-establishing credit can be a time consuming process. We can add fully paid off trade lines to boost your score. We can give you a new Credit Profile Number (CPN) with a 700+ score (excellent credit), to use as you see fit.
Are you saying that I can use my Credit Profile Number CPN to buy investment property or get a loan to start a business?
Yes. Leverage is a tool that has been used by the wealthy for generations. Now you have it to use for your purposes.
How do you use this to create a new credit file?
Apply for a Sears card or other store card, using a completely different address, employer, your CPN, and phone number; along with your same name and date of birth. This will allow the new information to be placed into the three credit bureaus’ data base. You will not get approved yet, as your file was not found(being that it is brand new). Once you do that, you can apply for secured credit cards, store cards, and ramp up to Providian, Capital One, and 1st Premier Bank. These are fairly easy to get approved for, and it creates history for you to build your fico score.
Is this for me?
If you have less than perfect credit and need a second chance, My Identity Theft Defense can help. We have a few conditions, before you can obtain a My Identity Theft Defense CPN. You must be at least 18 years of age, a legal citizen of the USA or legal resident alien, work on restoring your original credit file, and have a plan to recover and get ahead. If you are planning to use this for buying toys, then defaulting on the payments, this is NOT for you. My Identity Theft Defense will not help anyone who is planning to burn the system. Many clients are real estate investors that have foreclosures and got hurt by the downfall in the markets. They have a recovery plan and just need a second chance.
What can I obtain with my My Identity Theft Defense CPN?
With your new My Identity Theft Defense CPN you can obtain personal and corporate credit cards, business and investing ideas, and a chance for a new beginning. For those that are trying to buy cars or real estate with their My Identity Theft Defense CPN, the Patriot Act will request a copy of your Social Security card. Even though you do not legally have to furnish that, the lenders might make things difficult. The solution can be to obtain personal and corporate credit lines, which can be used to purchase assets. The key is to make sure you can handle the payments; otherwise you will be in a vicious cycle. Only resellers can purchase more than one My Identity Theft Defense CPN.
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Frequently Asked Questions
Q: How many trade lines can I purchase at one time?
A: There is no limit to the amount of trades you can purchase. You can purchase one trade line or you can mix and match individual trades in the fashion suitable for your credit needs.
Q: How long will these trade lines remain on my credit report?
A: Your trade lines will report as "OPEN" on your credit report for a minimum of 6 months. After that period your trades will remain on your credit report as "CLOSED" for a period of 2 to 3 years.
Q: How long will it take for my trade lines to appear on my credit once I make a payment?
A: 30 to 45 days is the usual amount of time it takes for your trade lines to appear. However, we make all of our clients aware that by law the credit bureaus have up 90 days to report any borrower accounts for reasons such as an over abundance of credit reporting during a particular reporting cycle.
Q: Is this trade line program legal?
A: Yes, My Identity Theft Defense and/or its affiliates has the capacity to issue credit to our clients in all of the programs we offer and all accounts are verifiable once they appear on your credit report.
Q: Can I just purchase an individual credit profile number without purchasing trade lines?
A: Yes, you can purchase a credit profile number without trade lines. The price of the credit profile number without trade lines is $500.00 and the number is issued to you within 72 hours of receiving your full payment.
Q: Can I purchase more than 1 credit profile number?
A: Yes, you can purchase as many as you would like.
Q: Is using an alternate 9-digit number to start a new credit profile legal?
A: Yes, but only for building credit. According to the 1974 Privacy Act you are not obligated to give your Social Security Number to any private industry or "FOR PROFIT" company. Most people think they have to release this piece of highly sensitive information in order to do business with them, but that is not true. You're only obligated to submit your SSN# for affairs concerning any federal, state or local government agencies. In some cases, they can not deny you service either because you refuse to release your social security number.
Q: Are the results of your services guaranteed?
A: We guarantee our services 100% or your money back! If your trade lines don’t appear on your credit report in 90 days we will refund 100% of your trade line payment guaranteed.
Q: Do you offer credit repair services?
A: My Identity Theft Defense is a full service personal/corporate credit restoration and end enhancement services company. We help and assist in building our clients personal and corporate credit profiles.
Q: Can you guarantee a 720 credit score to your clients after the trade lines are added?
A: We can only guarantee a 720 credit score to our clients who purchase a new credit profile. For clients who add trade lines to their existing credit, we can only guarantee that your scores will improve dramatically but any prior negative history on your current credit report makes it impossible for us to guarantee you a 720 credit score.
Q: Are these Authorized User accounts?
A: These are not Authorized User accounts. All trade lines will appear on your credit report with you as the sole borrower.
Q: Can I apply for anything once my scores improve?
A: Yes, you can and will be approved for mortgages, car loans, credit cards, etc. Once our services have been implemented you will have the payment history and credit history to get approved with any lender or financial institution.
Q: Can I use my new 9-digit credit profile number on applications that request my Social Security Number?
A: You can use your alternate 9-digit number for all credit purposes. As long as you have no fraudulent intentions and intend to pay your bills on time, you will have no problems. If a lender requests your Social Security card simply switch lenders. Remember you're not legally obligated to give them your SSN#.
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