What is a Credit Profile Number (CPN)?
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 there can be other formalized government or institutionally issued 9 digit number which can be issued and used for credit purposed.
Can I use this number instead of my social security number?
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, filing a tax return by mail, File an
electronic return, Make an electronic payment, Pass an IRS Taxpayer Identification Number (TIN) matching program, 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.
What can I use my new Credit Profile Number (CPN) for?
You can use your Credit Profile Number (CPN) for Opening a bank account, Applying for business licenses, Filing a tax return by mail, File an electronic return, Make an electronic payment, Pass an IRS Taxpayer Identification Number (TIN) matching program or anything that would be applicable to the use of a EIN, ITIN, TIN or SSN for credit reporting purposes. 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 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.
Am I responsible for the debts on my old report?
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.
Is this legal?
“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 there 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.
What will my new FICO be?
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.
Are you saying that I can use my Credit Profile Number CPN to buy investment property or get a loan to start a business?
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.
WHAT IS A CPN?
A CPN is the first step to acquiring new credit on a new credit file. The term CPN is nothing more than a abbreviated 3 letter word which means; Credit Profile Number. A Credit Profile Number is defined as, “ANY 9 DIGIT NUMBER WHICH CAN BE USED FOR CREDIT.” These 9 digit numbers can be found in every bank, credit union, or financial institution as a SSN, ITIN, TIN, or EIN. Banks and lending institutions DO IN FACT LEND TO; individuals
using SSN’s, Legal Non Resident Aliens using ITIN’s, Tax Paying Individuals using TIN’s, and businesses using EIN’s! You can use your Credit Profile Number (CPN) for Opening Bank Accounts, Applying for Business Licenses,
Filing a Tax Return by Mail, File an Electronic Return, Make an electronic payment, Pass an IRS Taxpayer Identification Number (TIN) matching program or anything that would be applicable to the use of a EIN, ITIN, TIN or SSN for credit reporting purposes. It is a well documented individual owing business has received credit cards, car loans, certain types of mortgage, personal loans 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 intent, AND USED SOLELY AS AN APPROVAL MATRIX.
WHO NEEDS A LEGAL CPN:
If you start a new business, hired (or will hire) employees, including household employees, opened a bank account, changed type of organization, purchased a going business, created a trust, created a pension plan as a plan administrator, i s a foreign person needing to comply with IRS withholding or TAX Regulations, Is administering an estate, is a withholding agent for taxes on non-wage income paid to an alien (i.e., individual, corporation, or partnership, etc.) is a state or local agency, is a single member LLC , is an S corporation or for any tax-related purpose even if the entity does not have employees. You either NEED or can benefit from a professionally established validated CPN number. OPENING A BANK ACCOUNT IS RECOMMENDED: Contact the bank, or banks, that you would consider opening an account with, and ask them what type of information they will require. Many of them request documents which show that the company exists, such as a certified copy of the
certificate of formation or a certificate of good standing (Information we provide at the point we deliver your CPN.) The bank will also need the number. LEGAL CPN BEATS LEGAL ZOOM: Legal CPN offers a very similar service as
compared to our rival Legal Zoom, except our clients receive more for their unique business needs! We offer with each CPN free Safe Scan, Choice Point and Lexis Nexus Search prior to issuing a CPN Number.