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CPN Study Guide, How To and Tutorial
Step by step guide to create, build and maintain your own CPN.
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A CPN (Credit Profile Number) is a 9 digit number that is similar to a SSN. CPN is strictly used for credit reporting purposes. It is an alternative credit profile. It cannot be used for anything other than reporting credit. It cannot pass background checks, establish EINs, open traditional bank accounts or report taxes. You are liable for anty debt that is incurred under your CPN and your SSN.
How can a CPN benefit you... A CPN will allow you to obtain new credit while resolving the issues on your credit report. You can basically build a credit report apart from your SSN. Keep in mind that a CPN should be temporary.
Here are some of the things you can and cannot do with a CPN:
YOU CAN:
Obtain credit cards
Obtain Score Card
Obtain Personal Loans
Rent and Apartment
Obtain a car
YOU CANNOT
File Taxes
Open A bank account
Pass background checks
Obtain FDIC Insurance. Loans
Obtain Dept of Education Loans
Apply for Government benefits (food stamps/Section 8 Housing)
31 CFR 1.32 - USE AND DISCLOSURE OF SOCIAL SECURITY NUMBERS
a. In general, an individual shall not be denied any right, benefit or privilege provided by law by a component because of such individuals refusal to disclose his social security number. It means you cannot be denied credit or any privileges because you refuse to provide your social security number.
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