If you’re struggling with poor credit scores, you know they can pose plenty of challenges. A poor credit score can keep you from getting approved for a credit card or a car loan. It can make renting an apartment difficult. So when you see an ad promising to help you start over with a new credit history by getting a (credit privacy number) CPN, it may seem like the answer to your prayers. But is it?

Wat is Credit Privacy Number

A CPN, or credit privacy number, is a nine-digit number that’s formatted just like a Social Security number (SSN). It may also be called a credit profile number or credit protection number. Companies that sell CPNs to consumers market them as a way to hide a bad credit history or bankruptcy. They’ll also claim you can use the CPN instead of your SSN to apply for credit with your new credit identity.

Does this seem too good to be true? That’s because it is. In fact, it’s illegal. Keep reading to discover the truth about CPNs.

Relationship Between Credit Privacy Number and Credit Score

Companies that sell CPNs promote the assumption that CPNs are authentic by marketing them as substitutes for SSNs. One website that promotes CPNs, for instance, states that the numbers are “completely tri-merged with the Social Security Administration.” (Sounds official, huh?)

These businesses are actually hustlers. They might gain SSNs in questionable ways, frequently from minors, the elderly, or prisoners.

There are several indicators that Credit Privacy Number dealers are participating in illegal activity if you pay attention. Companies will charge you money for a CPN even though SSNs are provided free of charge — thousands of dollars occasionally. When you apply for credit through the CPN, they might advise you to use incorrect information—like a different address, phone number, or email address. Frequently, they’ll claim that doing this will protect your identity, but in reality, they’re just telling you to take on a phony persona.

It is simple to dismiss these cautionary signs when you are desperate to restore your credit. However, utilizing a CPN might result in much more serious issues than just a bad credit rating. Using the CPN in a credit application or elsewhere may be regarded as identity theft regardless of how it was acquired. In addition, lying on a credit or loan application or misrepresenting your SSN is a federal crime.

Difference Between CPNs, ITINs and Social Security Numbers?

In order to enforce tax rules, the Internal Revenue Service (IRS) uses taxpayer identification numbers. Taxpayer ID numbers come in two varieties: SSNs and Individual Taxpayer Identification Numbers (ITINs). The Social Security Administration issues SSNs, which are typically used by taxpayers when submitting their taxes.

ITINs are granted by the IRS under specific conditions to some non-resident and resident aliens, as well as to their spouses and dependents who are unable to get SSNs. An ITIN is formatted similarly to an SSN, with nine digits and dashes, but all ITINs start with the number 9.

CPNs are nine-digit numbers that resemble SSNs and ITINs.


Obtaining A New SSN

It’s normal to wish you could start again when poor credit is costing you money or prospects. Nevertheless, obtaining a new SSN is not the solution. The IRS may only issue a new SSN if:

  • Multiple family members being assigned sequential SSNs is problematic.
  • The same SSN is allocated to or used by more than one individual.
  • Using the original SSN of an identity theft victim is causing them continuing problems.
  • A person is experiencing abuse, harassment, or risk to their life.
  • You object to the letters, numbers, or digits in your original SSN due to cultural or religious reasons.

A new SSN can be difficult to obtain, even under these dire circumstances. You’ll need to demonstrate that there is a valid basis for the change by submitting all the required papers to the Social Security Administration and obtaining assistance from others (such as the police, your church, or your temple).

More importantly, having a new SSN does not allow you to discard the previous one. The Social Security Administration will cross-reference your new SSN with your prior SSN to ensure you are given credit for all of your earnings and get the appropriate amount of Social Security payments when you retire. No matter what you do, your initial SSN will always be associated with you.

How to Build Your Credit Score

You can’t instantly wipe away bad credit by purchasing a CPN. A better approach: Take the money you would have spent on a CPN scam and put it toward rebuilding your credit history the right way. Here’s how:

  • Punctually pay your bills. The single biggest element affecting your credit score is on-time payments. Paying your bills on time will assist, even if you can only afford the minimum amounts. Set yourself a reminder or enable autopay on your accounts to prevent forgetting to pay a bill on time. Ask the creditor if you can modify your due date if you find it difficult to pay all of your bills at once because they are all due around the same time. Are you reliable when it comes to making on-time payments on your phone, cable, or utility bills? Consider enrolling in Experian Boost® so you may add these accounts to your credit file and take advantage of your good credit history.
  • Your credit usage ratio should be lower. In determining your credit score, this ratio, which comes in second only to payment history, reveals how much of your available credit you are actually using. You should utilize no more than 30% of your available credit to maintain decent credit, but for the best scores, think in single digits. Find out how to determine your credit usage ratio and how to raise it.
  • Delay requesting credit. A hard inquiry is made on your credit report when a lender requests your credit file from one or more credit agencies in response to your application for a loan, credit card, or another sort of revolving credit. The number of hard queries lowers your credit score. Applying for numerous credit cards or loans at once may indicate to credit scoring models like FICO that you’re in financial problems, which might lower your credit score even though the dip typically only lasts a few months.
  • Keep open past credit accounts. If using credit cards drains your finances, canceling the account after using one could seem like a wise approach to reduce temptation. However, doing so also lowers the total amount of credit you have available, generally raising your credit utilization ratio. Maintaining older accounts open also demonstrates your extended credit history, which raises your credit score. Maintaining older credit accounts active may be a good idea, even if you don’t intend to use them.
  • Try using Experian Boost. – Experian Boost helps you get credit for your on-time utility and telecom payments by adding positive payment information to your credit report. In many cases, this results in a boost to your FICO® Score☉

Steps to Create CPN work out the first 5 for proper state and year of birth. Randomized numbers get a note added to report that they were made after 2011. This is probably not helpful

Validating number
Using ssn validator checks death index only.

A live child with a society still has records of it, you can’t assume that no companies check this info too.

Using digital mailboxes like requires an id and proof of citizenship. $7 and up monthly to get a mailing address. They will scan your mail to you and forward what is necessary.

Before you Tri-merge, this is some of the info you will use:

CPN Employment:
Your employment will always be Management If you do not have a
valid employer to use, your income will always be between $55,000 and $85,000 per year for trimerging.

For the length of time at employment, put 5 years, 5 months.
The same goes for the length of time at your residence.

Tri-merge Housing:
You can rent or own and your payments or rent will always be $500 per month and you will have lived there for at least 5 years and 5 months. You can slightly change the number of your housing payments if you like, but I wouldn’t go too far over $600 or go under $450.

Tri-merge your Number – just fill it out, and hit submit – Does not matter what you put as long as the CPN information is in there! After this is done – you MUST wait 72 hours (3 DAYS) to do anything –

  • Go to and fill out the “GET APPROVED” Application.
  • Go to Etrade and open up a Personal Checking account – This gives you a bank account that you can use freely to pay anything you do with your CPN. and fill out the application – There is a $25.00 fee – this will report up to two years of rental history on your profile. – They will give you a $2500 they will give you a $5000 limit as a one-time fee.

By now you can set up credit karma or whatever similar site you like.

Steps to Make your profile look real. Lenders are getting wise to CPNs

1) Get a prepaid phone through either Verizon or ATT. CALL them to register it.

2) Go to and register your CPN Address, your Prepaid phone number, and email

3) Go to your local grocery store and sign up for their club card.

4) Sign up for these magazines: Time, National Enquirer, Esquire, and such

5) Get hunting and/or fishing license.

You get the idea of what types of things to sign up for.

Now your CPN is ready for tradelines.

Go to and apply.
After you have made your FIRST payment on your Kohls card, and/or your primary trade lines have been posted, apply for Fingerhut, Capital One, Credit One, and Discover. Space it out. Don’t do it all in one day. Every few weeks or once a month. Don’t rush it.

Pro tip = register businesses with cpn. It’s possible to obtain Ein from IRS without a social. It’s not common knowledge but clearnet. This will open a whole new world.

These nuggets are free. I have a 300+ page guide (compilation) of (secret) sauce to dip them in. Please do not interpret this as advertisement. My heart is where it should be. You must track down the SSN of a child or one who hasn’t been reported since 2014. If you search, you can find SSN links and information in the boards. Basically, you need to learn about the SSN structure before finding your own SSN to utilize for kids 1 to 8 years old via I’ve only been doing this 100% natty for a month, so I don’t know about tradelines or main yet. No phony employment history is provided with it, so you’ll need to be creative or find a scanner to do the scanning for you.

Our CPN article will answer the following questions

  • how do you create/make/buy a CPN number?
  • how do you register it with credit karma?
  • What is a good place to buy CPN numbers and tradelines ???
  • AU tradelines or primary ??
  • How long does it take yall from when yall get fresh CPNs to cashout day on average? Someone told me he usually would cash out within 1-2 months, someone else told me 4 months.
  • Do CPNs also come with fake employment history ?? How do you deal with employment verification to get approved for loans?
  • Is it as simple as 1. get cpn 2. add AU/primary tradelines 3. Let time work for you 4. Once your credit score is way up go shopping 5. $$$$$$$$ ???

Contact US for more Enquires