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Legality of a CREDIT PROFILE NUMBER

Legality of CPN: Presently, federal law allows the ability for someone to legally use a private ID

# for financial reporting purposes instead of a Social Security Number.

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 individual’s refusal to disclose his or hers Social Security Account Number.

What this means is Federal Law protects those who do not wish to disclose their personal information (SS#) except where required to do so. Disclosure of your social security number is only required when dealing with the IRS, your employer, or when applying for a federally insured mortgage. Instead of a Social Security Number, you now have the opportunity to establish a Credit Privacy Number (CPN).

WHICH LAW MAKES A NEW CREDIT PROFILE NUMBER LEGAL READ BELOW

Legality of CPN: Presently, federal law allows the ability for someone to legally use a private ID

# for financial reporting purposes instead of a Social Security Number.

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 individual’s refusal to

disclose his or hers Social Security Account Number.

What this means is Federal Law protects those who do not wish to disclose their personal information (SS#) except where required to do so. Disclosure of your social security number is only required when dealing with the IRS, your employer, or when applying for a federally insured mortgage. Instead of a Social Security Number, you now have the opportunity to establish a Credit Privacy Number (CPN).

New SS#. This should ONLY be considered a desperate step taken for reasons other than bad

credit history. In fact, there are specific guidelines set by the Social Security Administration before they will issue a new SS#. Most of them are for domestic violence, stalking, personal and

physical threats, etc. One reasons is

security number is causing them to be 'disadvantaged and/or subjected to negative personal or economic problems or hardships' is entitled to request a new social security number." Another reason is for religious objections or concerns.

any individual who feels that their current social

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EIN/TIN. This is for any business. An Employer Identification Number/Tax Identification Number is one of the first things any business gets. You can even go on the Internet, fill out a form and have one issued to you immediately. The government likes business. It's free, quick and easy. You can make up a business like being a toilet plunger consultant or butterfly wing painter. The idea is that you may do something and accept income for your actions and want the ability to write off business tax benefits like travel to Europe or magazine subscriptions or gas milage credit you don't get with you 9 to 5 job.

Credit Privacy Number (CPN). On the other hand, why not get a CPN? A CPN is essentially like a SS# but has nothing to do with your wages and SS retirement benefits. It's used to identify a credit file for an individual or company. Many times this can be done directly from the IRS by creating a home business of some kind (you're now a consultant on toilet flushing) and getting an EIN/TIN or a business SS#. The CPN is set up with the credit bureaus. Many online businesses will declare it is legal to have a CPN and the alw says so. It does. The problem comes from a different source. They are correct in saying that the law requires government agencies to accept a CPN instead of a SS# and you can use it as such. However, the law does NOT say a non- government company, agency, individual, bank, credit card company, or anything else must accept it. If you are asked specifically for your SS# (all applications are specific) and you give a CPN instead so your terrible credit history is hidden, you just committed fraud which is a crime. Not only can and will the lender yank their credit from you, but they can turn you over to the District Attorney for prosecution for fraud. Guess what, if you did it by mail, it's now a federal crime. Here's another catch. It usually costs you money to get a CPN and you don't know if it's really legitimate or an old SS# from a dead person. It look very similar. As you can see, it shouldn't be hard to get a new SS#, EIN/TIN, or a CPN. The first two are free, the second cost you money. But that's the easy part. There are some major hurdles to making the process work to hide your old credit history. That's a lot harder than most people think and very easy to screw up.

Cross Linking. Credit reporting bureaus are constantly linking data together from many sources. This is one of the problems with individuals finding their credit has been damaged - it's somehow linked with someone else's credit history. You would think it's all done by SS#. It's NOT. Any link will do. Similar name at a similar address, employer, bank, credit company, phone number, utility company, car or store credit application, even driver's license information. Think for a minute. How many different transactions can you think of that asks for your SS#? What about address, phone number, bank or employer? How possible is it for someone to reference the data and mix the two at some point?

How it Affects You. Now let's look at the full picture. If you are truly wanting a new SS# to create a new clean credit history, how many links will you have with your old life (yes life!)? If you use the same address, phone number, employer, bank, anything that can be cross linked, suddenly all your old credit history will show up on your now trashed new SS# and there's little you can do about it. By the way, you won't have a second chance to do this. Read the guides below for details.

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Two Problems. The first is cross linking as above. The second is that many lenders request a SS#. You have the right to overwrite SS# with CPN to notify them you will be using a CPN instead and give the number and even provide federal law documentation that states they can NOT discriminate based on your not using a SS#, etc. etc. etc. but what does this do? RED FLAG TIME!!! You must remember that if it's a private company versus a government agency, they may not legally require a SS# but their actions can become very, very restrictive and cause an in depth research to uncover the reason for your not wanting to "follow their rules". Ultimately, they can simply say, "No SS#, goodbye!"

Summary. Hopefully you can see that using this approach is not to be taken lightly. It requires real effort and constant attention to details over a long period of time (at least 7 to 10 years until your old credit history wears off). We aren't suggesting not to use it, just be aware of the implications and consequences of this approach. It still may be the best for you. Just think before you leap.

FAQ Questions & Answers

Q: What is a Credit Profile Number (CPN)?

A: It is any nine digit number separate from your social security number, but not excluding a SSN, used to track your credit activities and history; such as a EIN, ITIN, TIN or SSN, but their can be other formalized government or institutionally issued 9 digit number which can be issued and used for credit purposed.

Q: Can I use this number instead of my social security number?

A: No, but in certain situations some numbers which are used which can be defined as a CPN can be used in place of a SSN, such as when Opening a bank account, Applying for business licenses, and any other instances deemed by law. Please note 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 BACK FUNDING, which requires a individual to list a SSN number.

Q: What can I use my new Credit Profile Number (CPN) for?

A: You can use your Credit Profile Number (CPN) for Opening a bank account, Applying for business licenses, and all credit-related purposes besides employment, IRS and taxes. It is a well documented fact that numerous credit accounts has been issued to individuals and individuals owing business who received credit cards, car loans, certain types of mortgage, personal loans

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etc with the use of EIN's, TIN's, ITIN's and SSN's, which are all considered CPN's when used outside of it's natural used and approved for credit. Please understand a SSN has been issued and used for Social security Purposes and is not and was not intended to be inherently a credit number to be used by anyone who opens a service or bank to lend money goods or services; and the same is true for ITIN's, EIN's, or TIN's. These number are not localized and are used throughout the entire credit system, and are being used beyond their original scope.

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

A: 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 DEVELOPING YOUR BUSINESS OR PERSONAL CREDIT, you must use your new Credit Profile Number (CPN) wisely, WHETHER YOUR CPN FILE IS BASED ON YOUR LEGAL SSN, ITIN, EIN, TIN.

Q: Is this legal?

A: "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." is a commonly made statement legal CPN found online and posted here, but our statement to further the above statement, "Is all government numbers that are issued legally which are used legally throughout the credit system standing on their face value are in fact legal. But their are laws which govern their use, so please be aware the that you do not violate any legally listed law on either the federal or state level. We are not a legal counsel, but we do encourage you to perform the necessary research or hire counsel to answer specific questions regarding this question." Kristin, Owner, CPN and Finanancial Freedom.

Q: What will my new FICO be?

A: Any new credit file which is automatically crated by the credit bureaus computer will be blank. You will need to reestablish your credit, by applying for credit and other lines under the law. Yes you will have a credit file when; A) the government issues you a 9 digit number, and B) when this information is filtered into the credit bureaus computer which will automatically record it, file it, and create a new credit file without your knowledge or consent, ONLY BECAUSE IT IS A 9 DIGIT NUMBER, AND IT WILL RECORD YOUR NAME, DOB, AND ADDRESS, REGARDLESS IF IT MERGES THIS INFORMATION OR CREATE A NEW CREDIT FILE, WITHOUT YOUR EXPRESSED CONSENT OR KNOWLEDGE. So yes; you will have a credit file and a FICO score without doing anything other than registering or using your EIN, ITIN, SSN, TIN within normal applications of those 9 digit numbers.

Q: Are you saying that I can use my Credit Profile Number CPN to buy investment property or get a loan to start a business?

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A: Yes. Leverage is a tool that has been used by the wealthy for generations. Their are numerous examples of EIN's, TIN's, ITIN's and SSN's being able to secure loans, financing, auto loans and homes.

Q: What does the law say about credit and financial matters?

A: Title 5 of the United States Code Annotated 552(a) known as the Privacy Act, ruled in part:

"Right to privacy is a personal right designated to protect persons from the unwanted disclosure of personal information." - CAN Financial Corp vs. Local 743, D.D., I11, 1981 15F. Sup. 943,

I11.

(A)(1) "It shall be unlawful to deny any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his or her social security account number".

Pub. L 93-579: (B) "Any Federal, State, or Local Government Agency which requests an individual to disclose their Social Security Account Number shall inform that individual whether the disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it."

The Equal Credit Opportunity Act (ECOA) prohibits creditors from denying you a loan based on reasons that have nothing to do with your credit-worthiness.

Q: How does this program work?

A: By understanding the law and applying credit re-establishment techniques, our proven techniques specializes in the establishment of credit through a completely separate and legal entity. With your new completely and separate legal entity, you will be able to build a new credit-worthy profile.

Q: Is it Legal?

A: Specifically, there is no law that says that a consumer cannot secure one or more nine-digit tax identification numbers. Specifically there are no laws that say that consumer cannot develop or obtain the additional supporting criterion to apply and obtain credit as long as it is not done with the intent to defraud. The legality of creating a new credit file has always been a topic of great debate amongst the credit file is based primarily on the fact that there is no intent defraud

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and or with untrue misrepresentations. It is the belief of many professionals, that it can be done legally as long as no fraud is intended (intent is the key word).

Q: Is the the NEW 9-digit number a 2nd Social Security Number?

A: NO; It is not a 2nd Social Security Number. Your new 9-digit number will be assigned to you for credit establishing purposes only. You will continue to use your SS# for employment, taxes, state benefits and for your drivers license.

Q: Can I use the NEW 9-digit number to open Bank Accounts and apply for personal loans?

A: YES

Q: Can I use the new 9-digit number on credit card applications?

A: YES; You can use your new credit profile obtain major credit cards, department store cards, gas cards, auto loans, bank loans, real estate, and any other type of financing you desire.

Q: Can anyone do this?

A: Absolutely, you do not need any special skills or knowledge. We have taken the complexity of the attorney and CPA knowledge base and condensed it into an easy to follow and very simple process!

Q: Can I use my new 9-digit number for employment?

A: In most cases no, remember one of the criteria for using your current social security number is for employment. Employers have to use your social security number to report wages earned and taxes owed to the IRS by law.

Q: There are a lot of credit repair scams out there, are you legitimate?

A: Absolutely! Everything we offer is completely legitimate and completely legal.We will never promise you anything that we cannot follow through on. Furthermore, we are also a credit repair company and can get you LEGALLY back on the road to financial freedom!

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Custom Tradeline Packages Available Upon Request w/Free CPN.

Q: Can I order for me and my husband / wife / partner?

A: Absolutely! This is an individual program that can work for both the husband / wife / partner.

Q: Does this affect my drivers license, current SS#, or any other personal identification?

A: No; This program utilizes the law to establish a completely separate and legal entity from your current individual profile. Your name, drivers license and other forms of ID will not need to change in any shape or form.

Q: What about on a credit application, won't they ask me for my social security number?

A: Credit applications will always ask for a social security number because this is the most convenient way for creditors to get a hold of as much personal information as possible. But with this type of credit re-establishment through a completely separate and legal entity, they will require the new entity information which will be in the form of your new profile information including new 9-digit number. Your new 9-digit number will be the identifier for your new profile and not your social security number. Also remember, you do not have to release your social security number without mandatory disclosure.

Q: Will my current credit profile get mixed in with my new credit profile?

A: The only way your new credit profile can get mixed in with your old in our program is by willingly disclosing your old credit profile information with your new one. If you utilize your new credit profile within the legal structure designed for this type of completely separate and legal entity, releasing your old profile information will not be necessary unless you voluntarily use it.

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Custom Tradeline Packages Available Upon Request w/Free CPN.