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What is a credit privacy number?
***The Credit Privacy Number!***
The CPN is a nine-digit number that has the exact same genetic makeup of a Social Security Number. This is not a government issued number like an EIN or TIN. This number is NOT a new social and NOT a tax ID or EIN. It is simply an available file number at the credit bureaus that can have financial information reported. You have the right to establish this number only once, so do not abuse it. This explanation is not here to advise anyone to misrepresent your Social Security Number, as you are completely responsible for any debts you incur using your Credit Privacy Number.
It is your legal right to keep your Social Security Number private, and use a separate number for any credit related purposes. You are only required by law to disclose your Social Security Number to the Internal Revenue Service, your employer, when registering a motor vehicle, buying a firearm, or applying and obtaining a federally-insured loan such as FHA, Sallie Mae, etc. I encourage you to use the laws to your advantage. Each credit bureau works on a different schedule.
In addition, the CPN 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. Further, in example, congress holds special privileges to the law; therefore, their privacy needs to be protected. In another example, witnesses under protection can be located if they use their true social security number for transaction. This is the reason why there is the existence of a Credit Privacy Number program.
Legality of the CPN:
Presently, federal law allows the ability for someone to legally use a private ID # for financial reporting purposes instead of a Social Security Number. Title 5, Section 7 of Publication Law 93-579 of Government Organization and Employees 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 individual's refusal to disclose his or her's Social
Security Account Number.
The law states that No federal, state, or local government agency may deny you any right, privilege or benefit due to your refusal to provide your SS # for any other reason than producing money for retirement account with the Social Security Administration, the IRS and your employer today. Credit Bureaus are not legally allowed to "require" your Social Security Number. In our country's present credit reporting system a person may be assumed guilty and then must expend a great deal of time and resources to prove his or her innocence. Additionally, once a negative item is in a credit file it may remain long past the 7 year time period most people believe is used. Additionally, a misreported item can show up in a credit report multiple times.
When it comes to credit, banking and loans, there are two things you must know. The first relates to the law pertaining to the usage of your social security number as an identification tool. The second, credit bureaus are private companies and are not affiliated with the government in any way, whatsoever. Although, the credit bureaus would like you to think otherwise.
---What all this means is Federal Law protects those who do not wish to disclose their personal information (SS#) except when required to do so. All that to say: Instead of a Social Security Number, with the right planning, you now have the opportunity to establish a Credit Privacy Number (CPN), as it is your right to have one.
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Yes Secondary credit numbers are LEGAL, based on the 1974 Privacy Act, as long as you don't abuse the number. 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 Social Security 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 Social Security Number. To answer the question, YES if used properly. Thousands of people have done it over the past 30yrs and continue to do so. You are still responsible for the debts on your social security number .We suggest not to use the SCN as a way to avoid any debt (defraud creditors) under your Social Security Number. You are responsible for all debts on your old report and debts incurred with your Secondary credit number. You must remember that while you are rebuilding your credit, you must use your new SCN wisely. If you have had troubled credit in the past, don't repeat your mistakes
Yes obviously. You get the number of your debit card, it is the 16 long digit number. it's on the front of your debit card
One can tell that a credit card is a VISA card if the first digit of the card number begins with a 4. There are, however, a few exceptions including the following: 4903 4905 …4911 4936
Yes, Credit Profile Numbers (CPNs) are legal. However, some companies are selling e-books with fasle and criminal information. Many companies are claiming that a person can us…e an SSN Validator to find an unissued SSN. From there companies claim that you can simply use the number to apply for credit using a different address than you have ever been associated with. Once the credit bureau database tries to locate the SSN it will find nothing and therefore, would automatically create a new credit file under the given name and address. As easy as that sounds do you really think the 3 major credit bureaus would let that slip!? Everything about this is incorrect and illegal!! To obtain a legally validated CPN visit a professional CPN Company like CPN Headquarters. This company has been involved in Business Formation and CPN Solutions for the last decade and is a leader in Legally Obtained Credit Profile Numbers. They offer everything from literature to full on CPN Services, and prices are at an all time low right now.
A credit card number is usually 16 digits long. American Express uses a 15 digit number.
A Credit Privacy Number is a general term given to any number with the same genetic makeup as a SSN and can be used for credit and banking purposes. These numbers can be obtai…ned legally from the IRS. Many companies offer e-books and CPN manuals, others offer complete CPN validation and tradeline attachments. Most companies charge right around $100 to obtain a legal CPN for you however, currently CPN Headquarters is offering a Platinum CPN Package for less than $60. They have a 30 day money back guarantee and promise to have your CPN issued in just a couple of days.
Credit Privacy Numbers are free to everyone. Just make sure you do your research in terms of the legal uses of a CPN. There's plenty of information at www.cpnheadquarters.com.… They have some basic info, and also an E-book to purchase if you want to get the step-by-step.
This is the three numbers located on the back of the card by your signature.
No, unless you hack someone
A credit card number is a unique representation of a network (credit card network), a bank (issuing bank) and an account number (specific to account holder) combined to repres…ent a unique representation for an individual with credit.
Credit Privacy Numbers are free to everyone. www.cpnebook.com has information on how to obtain a CPN for free, but always be sure you do your due diligence in terms of the res…earching legal uses of a CPN.
There are 2 sets of numbers on a credit or charge card. The card number is usually 16 digits long and on the front of the card. The CVV number is usually on the back of the c…ard and 3 digits long. American Express cards have a 4 digital cvv code on the right hand side of the front of the card.
Visa begins with 4 16 digits Master " " 5 " Discover " " 6 " Amex " " 3 15 digits
What are the uses of a CPN number (legal)?
Imprinted on the front face of the card.
Yes, you can fake credit card numbers. However, it is illegal and unethical. It seems like a victimless crime, but it is not. It can also land a person in prison for a decent …amount of time.
This question makes no sense. The credit card number is printed on the card in raised numbers across the front.