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Disclaimer:
This Credit eBook has been developed solely for information purposes only. The
author is not giving any advice on any subject, and is not giving legal, financial,
or credit repair advice to anyone. We cannot guarantee the accuracy,
correctness or intended use of the information presented. As with any credit or
legal matter, a consumer should seek legal counsel.

What are CPN Numbers?

CPN Stands for either Credit Privacy Numbers, or Credit Protection Number. The truth
of it isit is nothing more than a 9-Digit number established only on the credit bureaus
level to report your credit transactions. This number is NOT an EIN or TAX ID
NUMBER, and is not issued by the government. Again It is nothing more than just an
available credit reporting file number.

Are they Legal?

As of right now they are no laws that state you cannot establish a second 9-Digit
number FOR CREDIT PURPOSES only. It is your legal right to keep your
Social Security Number private and use a separate number for credit related
purposes. You are only required by law to disclose your Social Security Number
to the Internal Revenue Service, your employer and most recently due to the
Patriot Act, when registering a motor vehicle. We use the laws to your advantage.
Title 5, Section 7 of Publication Law 93-579 of Government Organization and
Employees Act:
(a) (1) It shall be unlawful for any Federal, State or Local Government Agency to
deny any individual any right, benefit, or privilege provided by law because of
such Individuals refusal to disclose his or hers Social Security Account Number.
Based on the 1974 Privacy Act, you are only required to give your Social Security
Number out for the following reasons:
1) For Employment
2) For Tax Purposes
3) To Obtain a Drivers License
4) To Register a Motor Vehicle
5) To Receive Public Assistance
You can legally refuse to disclose your Social Security Number for any purpose other
than those specified above.

It is used by celebrities, congress members/government workers, and witness

protection reasons. For example, celebrities use it because the media can use
their SS# to track what they are buying and where they are simply by tracking
their credit cards.

What is a Validated CPN Number?

In our opinion, a Validated CPN Number is the quickest way to get you in steaming hot
water with the law. One of the biggest misconceptions about CPN Numbers is that they
should validate in the Social Security Validator (SSN).
Well, a true and real CPN Number will not validate in the SSN Validator, because it is
not an SSN, OR EIN. IF YOU EVER BUY A CPN NUMBER THAT VALIDATES IN
THE SSN VALIDATOR AS "ISSUED", PLEASE KNOW THAT THE NUMBER YOU
HAVE BEEN GIVEN IS SOMEONE'S SOCIAL SECURITY NUMBER OR EVEN
WORSE A DECEASED PERSON'S (SSN).
THE ONLY LEGAL WAY TO INSURE THAT A CPN NUMBER IS VALID, IS TO INPUT
THE NUMBER IN THE SSN VALIDATOR. A REAL CPN NUMBER SHOULD COME UP
"NOT ISSUED".

Why you cant open a bank account with a CPN

Number?
A common question among people about CPN Numbers are can you open a bank
account with them? THE ANSWER IS NO.
The reason is pretty simple, when you apply for a checking account with a bank
or credit union, they dont use your Social Security Number to look up your
Financial Information, they use your Drivers License Number and a system called
Chexsystems. Chexsystems is a system how banks communicate with each
other about negative account activity. For instance if you have an account with Bank A
and overdraft on your account, and close it without paying the overdraft fee, Bank A will
put you in Chexsystems. So when you go to open up a checking 5account with Bank B,
the information will come up in Bank BS System that you owe Bank A, and you will be
DECLINED. So as long as you have the same drivers license number and you are in
Chexsystems, a CPN Number cant help you.

Things you can purchase with a CPN Number

Another big question about CPN Numbers is what can I use this number for? Well we
know online, so many companies are telling you many different things, or things you just
want to hear so they can sell you a number. The best things to use your CPN Number
for are credit cards, personal loans, and auto loans. We would not recommend you try
to purchase a mortgage with this number, for a couple of reasons, first you need much

more than a good credit score to get a mortgage now a days, which is pretty much
common sense.

A Sharp Style of Credit Repair

Although a CPN Number cannot be used for a mortgage, it can be used to get some
credit cards, and a personal loan to maybe pay down some of those bad items on your
primary credit report. Or negotiate a Pay for Delete so that you can clean up your
primary credit so you can get that Mortgage under your Social Security Number with no
problem. A pay for delete is basically a letter that states you will pay whatever amount
you select of the balance you owe on the debt, ONLY IF THEY AGREE TO DELETE IT
FROM YOUR CREDIT FILE.
Sometimes when you pay a collection it just shows paid collection, which wont help
your credit score at all. Or if you chose to have a credit repair company fix your credit,
you can use this number in the meantime. Either way is the 2 most positive ways
to Use a CPN Number.

How do I get a CPN Number?

This is a pretty simple process no matter what some CPN Company tells you. A true
CPN Number is nothing more than a number that has a SSN Prefix that has not been
issued. The most popular prefix is 292-61-ANY FOUR NUMBERS.
After you put one of these prefixes into www.ssnvalidator.com use any four numbers to
complete the number. If you have done it correctly, you will see a message in red that
says. THIS NUMBER HAS NEVER BEEN ISSUED. This means you have a CPN
Number you can use.
IF AFTER PUTTING IN THE NUMBER IT COMES BACK VALIDATED IN
GREEN..DONT TOUCH IT. IT IS SOMEONES SOCIAL SECURITY NUMBER,
NO MATTER WHAT ANY ONE TELLS YOU, LEAVE IT ALONE!
And there you have it the million dollar secret to where these CPN NUMBERS
COME FROM?
Everyone thinks that getting a CPN Number is long hard grueling work that takes hours
upon hours. It really takes maybe 5 Good minutes. You see how these other
companies have been lying to you all this time?

What to do after you get your CPN Number?

How to apply for Capital One Credit Card:

1. Apply for an auto loan anywhere online (YOU MUST APPLY) (this will register
your new CPN Number with all 3 credit bureaus) of course you will be declined
for the loan
2. After receiving the decline in your email wait about 5 minutes.
3. Then go to www.capitalone.com
4. Choose the CAPITAL ONE PLATINUM WITH 24% APR (MAKE SURE IT IS
THIS ONE YOU CHOOSE) INPUT ALL OF THE SAME INFORMATION YOU
PUT ON YOUR AUTO LOAN BUT FOLLOW THESE STEPS:
MAKE SURE YOU PUT $80,000.00 AS YOUR TOTAL ANNUAL INCOME
MAKE SURE YOU CHECK THAT YOU HAVE A CHECKING AND SAVINGS
ACCOUNT
MAKE SURE YOU CHECK THAT YOU OWN YOUR HOME AND YOUR MONTHLY
RENT/MORTGAGE PAYMENT PUT IS $500.00
(AFTER YOUR APPLICATION IS COMPLETE DOUBLE CHECK EVERYTHING AND
PRESS SUBMIT)
It should take a moment to process and say you have been approved and your
card will be mailed to you in 7 to 10 business days.
Always Remember:
1) Never mix your old and new information used for creditors, cable, utilities, etc.
2) Dont go out and apply for everything under the sun just because you can.
Building credit takes time. Plus 10% of your Credit Score is based on the
number of inquiries on your credit file.
3) Never use old credit companies or references you have used in the past on any
application. They could possibly merge your credit file. YOU DONT WANT
THAT.
4) Building credit the right way is hard work, so expect to be declined, dont get
frustrated and give up, It took me around 8 months to gain a 720 FICO Score, but
it is mine for the rest of my life, so hang in there.
Your CPN Number 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. 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 drivers 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 NUMBER.