Learn How to Create a Credit Profile Number with this Ultimate Guide!
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This book is easy to read, brief, and to the point, with direct links to all of the websites you'll need to get started. You'll be able to set up a working CPN in under 24 hours after reading this quick and easy guide! Simply click the BUY NOW button on this page…… to get started learning how to create a working CPN Number on your own without paying outrageous fees to big companies you don't trust. CPNs? Credit Profile Numbers? Credit Privacy Numbers? Let’s just put it out there… Here’s what you’re thinking:
If that sounds like you, you’re on the right page. And, there’s an awesome video, below. The only thing worse than having no rights is exercising rights you don’t have. This is especially true when that exercise results in breaking a law. That is the risk you run when messing with CPNs. Here’s a truth no one wants to admit. Ready? No one understands CPNs. 100% of those interested in CPNs (whether to sell or to add tradelines to) merely recite things they’ve read online. The source of the information is usually someone else that read something online. The echo chamber has yet to produce anything that supports the concept of secondary credit. If you truly want to understand CPNs, read on. Good news, bad news of CPNs.
What is this page about?There is misinformation about so-called CPNs. There are two ways that we can address them.
Also, you will understand that trying to obtain a credit profile number (or secondary credit number) is likely illegal and using it is definitely illegal. Finally, we will show you very simple solutions to credit problems so as to avoid the wasted time, effort and potential legal exposure associated with getting a credit privacy number (or whatever you want to call it). Where did the CPN stuff originate?There is a law called the privacy act of 1974. Also, there is a pervasive misunderstanding of it. Here’s what people say the law says:
Here’s the text of the law to which they’re referring:
See. Public Law 93-579, as codified at 5 U.S.C. 552a. If you want to read it, here it is: Public Law 93-579, as codified at 5 U.S.C. 552a A civics quicky:Hang in there with me for a second. The government primarily does not grant you rights as to others. It grants you rights as to the government. Meaning, most rights granted by the government are essentially a limitation on the government’s ability to disturb your freedom. If you want to take it one step further… Technically, the government isn’t “granting” your rights. They’re essentially saying “you’re already free to do these things and we promise not to change that fact.” Keep reading and I promise I’ll tie this all together. Rights, in a way, are not permissions given to you by the government. Instead, rights, in a way, are promises that the government will not interfere with your pre-existing freedoms. For example, your First Amendment right to free speech prevents the government from censoring you (among other things). It does not prevent a private company (like Twitter or Facebook) from censoring you on their platform. You don’t have “free speech” to walk into a restaurant and start screaming against the wishes of the owner, who, ironically, can use the power of the government to trespass you and kick you off of their property. Here’s the point (and the most important thing you need to understand):Congress enacted the Privacy Act to prevent the government (not private individuals or corporations, such as a bank) from abusing the collection and use of your private information. The Privacy Act does not apply to private, non-governmental transactions. Recall that the law applies to and limits “any Federal, State or local government agency.” James B. Lockhart, the Deputy Commissioner For Social Security, testified in Congress and stated:
Here’s how to understand it.In testimony before Congress about this very issue, many examples of the Privacy Act were shown. One of those examples is your right to vote. The State of Virginia tried to require the collection of social security numbers as a condition of voting eligibility. The Court struck this down, because (now look back at the law): It is unlawful for a State (i.e., Virginia, i.e., the government, i.e., not a private citizen or corporation, such as a bank) to deny any individual’s right (i.e., the right to vote) for such individual’s failure to provide his social security number. Not relevant, but worth a mention.We now know that the Privacy Act of 1974 only applies when the government is requesting your social security number. Even so, in some circumstances – which are not relevant here – the government can require that you provide them your social security number. Here’s where the CPN theories die.This is the best way to reword the law so it makes sense, in natural, human, everyday language: Accordingly:
POP QUIZ: Where is the application for a CPN?You have applications for:
NOTE: We just wrote an article regarding the inability to establish credit with an ITIN. Where is the application for a CPN? The answer: There isn’t one. Why? Because CPNs don’t exist. If CPNs don’t exist (legally), how are they created (illegally)?There are primarily two ways to create a secondary credit number and call it a CPN: Synthetic identity fraud (where you make up fake information that doesn’t already exist) and identity theft (where you use information that belongs to someone else). Synthetic identity fraud.Example of synthetic identity (i.e., CPNs) being prosecuted.Here’s another example. Here’s another. Or, just go to the website for the Department of Justice and search “synthetic identity” and you’ll see all of the press releases for prosecutions. Identity theft.Example of identity theft (i.e., CPNs) being prosecuted.Some people go on to argue that identity theft and synthetic identity theft are not the same as using a credit profile number. Well, the Department of Justice does not agree. They recently announced the arrest of an individual for using precisely that: a “credit profile number.” Irony.The most ironic thing about the credit profile number shenanigans is that it relies on a law which was designed to prevent this very thing. Remember the voting rights case discussed above? Look at the court’s reasoning:
The court is talking about why it is important that the government keep SSNs private. I.e., to prevent, among other things, identity theft. In that case, had the State prevailed, the Social Security Numbers of the voters would have been made publically available. The main purpose of the Privacy Act is to ensure that your social security number remains private so that others cannot commit identity theft with it. Instead, however, there are people all over the internet advocating CPNs, which – in most cases – is the procurement of someone else’s social security number. They’re taking a law designed to prevent identity theft and using it to justify identity theft. Do you think CPNs could become legal in the future?Actually, yes. It is possible. In the congressional testimony mentioned above, it is clear that consumer rights advocates are actively trying to change the law. They want the Privacy Act to apply to everyone, not just the government. In other words, they want the Privacy Act to apply even in commercial transactions. In their testimony, they specifically recommended:
They justified this recommendation, because:
This, to me, sounds like what the current CPN proponents are saying. Here’s the problem: It’s not currently the law. Currently, the law prohibits so-called CPNs. Arguments made and facts to consider about CPNs.1) What’s the actual violation of the law?The first thing CPN advocates say is:
This is a very basic fallacy. Think about all the ways there are to murder someone. Do you think murder is legal if you do it creatively? Can you find a law that says you can’t throw someone out of a plane? Since you can’t find a law making that illegal, that must be legal, right? Of course not. You would have deliberately caused the death of someone else, which is murder. In the same way, laws against fraud do not (and do not have to) encompass every detail of a fraud’s scheme. Most fraud laws are catch-alls. So what laws prohibit the CPN scheme? Here’s some to name a few:
…among others. You could potentially commit tax evasion, too. Why? Because if you have income on two different social security numbers, you could potentially offset your tax bracket, illegally, by splitting your income over two different numbers. CPN advocates claim, through an impressive logical leap, that:
First of all, this argument relies on the Privacy Act. However, this is absolutely not what the law says. The law says you don’t have to give your social security number to a government agency (except for a few circumstances). You have absolutely no right like this when contracting with a private individual or company. You can absolutely not give your social security number to a private entity. In exchange, the private entity can refuse to work with you. Let’s say you did have a right to not provide your social security number (which you don’t): Where in this law does it say you can create and provide a number other than your social security number? It doesn’t. 3) I am entitled to a CPN to protect myself from identity theft.More arguments go like this:
The craziest part about this identity theft argument is that obtaining a CPN is usually identity theft in and of itself. So, they’re saying “I can commit aggravated identity theft using someone else’s social security number just in case someone else commits aggravated identity theft against my social security number.” In addition, if someone can steal your social security number, why can’t they steal your credit privacy number? You have no such right and, even if you did, it is logically flawed and ineffective. What to do instead of CPNs.We can’t speak for the motives of those selling CPNs. Some may be good people that simply misunderstand what they’re doing. Others may have full command over the fraud they’re committing. What is for sure: If you get a CPN, you are victimizing yourself. You now know better. What’s more: There are alternatives. I know of no person in human history who’s credit and financial situation cannot be solved (unless you’re talking about backward societies with debtor jails). In the United States, there are all sorts of laws and private entities capable of helping you.
The CPN challenge.Call us. See if we can propose a solution for your current situation. Without a doubt, we will provide a better way than CPNs. You can call us at 800-431-4741, email Mike, Raj, or Brad or click here to get started. We look forward to working for you and watching you reach your credit potential. How do I get a CPN tradeline?The truth is that there is no legitimate way to obtain a CPN because CPNs are not issued or recognized by any official government entity. As described above, the only way to get a CPN is to purchase a stolen or fake Social Security number.
How long does it take to create CPN?It takes absolutely no time for you to get your CPN number. This CPN Program is instantly available, and it will help you through the process of getting your own CPN number within just 15 minutes, meaning that you do not have to wait for an unforgivable length of time to get your hands on your nine-digit CPN number.
Can I get a credit card with a CPN number?A CPN number is known as a credit profile number, credit privacy number, and even a secondary credit number (SCN). It can be used for obtaining credit, and is used in lieu of a social security number in very particular situations.
What is tri merge CPN?What Is a Tri-Merge Credit Report? The term “tri merge” (also written tri-merge or trimerge, depending on who you reference) is just a fancy term for 3-in-1. Every consumer actually has three separate credit reports and three separate credit scores. You have one report and score from each credit bureau.
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