CPN SOLUTIONS

Disclaimer
This Credit Ebook has been developed solely for information purposes only. The author is not giving
any advice on any subject, and are 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
is it is nothing more than a 9- Digit number established only on
the credit bureaus level to report your credit transactions. This number is NOT a 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 andEmployees
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
5
account 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, you need W-2 Forms, some lenders require a copy of your
Social Security Card at closing, These could cause many headaches trying to get
a mortgage with a CPN, and in the end IT WONT WORK. But this leaves us to
our next point:

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 know 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 YOULEAVE 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.First go to www.capitalone.com
2.Apply for an auto loan ( this will register your new cpn number with all 3 credit bureaus) Of
course you will be declined for the loan.
3. After receiving the decline in your email wait about 5 minutes. Then go back 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.
TOTAL ANNUAL INCOME MAKE SURE YOU PUT $80,000.00
MAKE SURE YOUR CHECK YOU HAVE CHECKING AND SAVINGS ACCOUNTS
AND YOU OWN YOUR HOME
MONTHLY RENT/MORTGAGE PAYMENT PUT $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 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.

Remember the biggest secret to all of this is to never lie on a credit