Using A CPN Is A Fraud and A Crime

It’s called a CPN which stands for Credit Privacy Number. A CPN claims to be  a nine-digit identifying number that you can use instead of your Social Security number to protect your privacy on credit documents.

But using a CPN, instead of your real social security number to apply for loan or credit card can spell big trouble.   In fact, CPN numbers have turned into one of the fastest growing con’s and frauds here in the US.   And people are going to jail because of it.

If your thinking about using a CPN, or even just curious.  Consider the following before you do.

#1 – CPN’s Are Not Legitimate

First off, CPN’s are not legitimate.  I repeat, CPN’s are not legitimate.

Some people claim that attorneys can issue CPN’s to consumers as part of credit repair or as a way to keep their identity private.  This is not true.  CPN’s are not issued by any government agency.  They are not sponsored by the US Government.   The Social Security Administration does not issue CPN’s.

The plain fact is CPN’s are nothing more than actual Social Security Numbers that belong to other people.     It is identity theft – plain and simple.

If a website tells you they can issue you a CPN legally – they are lying. If an attorney informs that they can set you up with a legitimate CPN for your use – you should tread very carefully.  CPN’s are nothing more than a hoax against millions of well intentioned US consumers.

The use of CPN’s has gotten so bad, even the FTC is warning consumers not to fall victim to shady fraudsters encouraging you to use one – FTC Warning.

These companies often sell Social Security numbers illegally. If you use a number other than your own to apply for credit, not only won’t you get credit, but you also could face fines or prison.               Federal Trade Commission Warning

#2 – CPN’s Are Used By Credit Repair Companies To Create Synthetic Identities

When someone offers to help you to get a CPN number, they are taking you down a very slippery and dangerous slope.

CPN’s are used to create synthetic identities.   When a credit repair company promises to improve your credit in a very short period of time they are most likely using a well defined method of forcing you into creating a synthetic identity without you even knowing it.

If you are engaging in a process that looks like this, please realize that you are creating a synthetic identity.

Check out this website that is actively recruiting customers.  This sure looks like a process for creating a synthetic identity to me!

#3 – People That Use CPN’s Can Land in Jail

Here is what Credit Repair companies and some attorney’s won’t tell you.  If you use a CPN to apply for credit, odds are you may not get the loan but if you do, you could land yourself in jail.

But don’t take my word for it.  You can just ask Timatress Tenaka Cade of Oklahoma City.  She was recently sentenced to 12 months in prison for using credit profile numbers, or CPNs, to falsely report her Social Security number in credit applications.

Timatress used a CPN to  buy household furnishings, televisions, computers, and other goods, and leased a home, and then made little to no payments on the credit accounts, which caused financial losses to her creditors.

The case was investigated by the Social Security Administration and not only did Timatress have to serve 11 months but she was also ordered to pay $68,637 to creditors that she defrauded.

And she isn’t the only one.  Consumers are being arrested frequently for their involvement in Synthetic Identity schemes.

Here is another example of 18 people charged for a massive CPN/Synthetic Identity fraud scheme.

#4 – You Could be Victimizing A Child

If you use a CPN, you may very likely be committing fraud against an infant or a child.  You may not have intended to do that, but how do you know that the Credit Repair company or the attorney that gave you your brand new CPN didn’t just give you a social security number that belongs to a child?

In 2017, 1 million children were victims of identity theft and many of those occurred as a result of fraudulent CPN use by a synthetic identity fraudster.

Children’s social security numbers are 50 times more likely to be used as CPN’s than other social security numbers.  And the government is cracking down on the problem.

#5 – You Can Get Caught Years Later

If you use a CPN and don’t get caught right away, that doesn’t mean you can rest easy.   You could be caught and prosecuted years later.

If you use a child’s social security number, they may not find out about it for 10 years or more.  When they do detect it, they will report it and that will trigger an investigation.  If your name is associated with using that social security number fraudulently you could be in big trouble.

If its Too Good to Be True, It Usually Is

If something sounds too good to be true – it is.  If a youtube video is promising that they can get you into a new car in 30 days by repairing your credit – be careful.  It is most likely a scam. And you can get in big trouble if you participate.

Be careful out there and verify everything carefully!

31 comments On Using A CPN Is A Fraud and A Crime

  • Hello, I recently had problems with having low credit score and I couldn’t get approved for a loan, a car and a house…..I am happy to recommend the efforts of deepwebservice01 AT gmail DOT com as they helped me with fixing my credit and boost my credit score from 550 to over 780 in just few days including clearing my debts..Now I can apply for anything that I want, I can’t thank them enough and would advice anyone to get in touch with them today for their services.

  • I noticed this and I also read somewhere that Jamesharden@programmer DOT net will help get you a CPN with less hassle and dit wont raise eyebrows .

  • DeFacto Consulting

    You do realize that Attorneys issue these numbers, CPA’s issue these number and, also per your article from LAST WEEK, Sif has been a thing for 44 years. 44 exactly and it was originally created to protect the paper trails of the powerful and joe blow got a hold of it.

  • DeFacto Consulting

    I would love to discuss some of your insights and see what we can learn on this subject together. 3462006688

  • The fact that the Credit Bureaus cheat you everyday don’t come into play. They sell your credit stuff to people, they send you stuff overseas. And they let our information get breach. So to me having a CPN and being anonymous is great. Don’t know about why people don’t say the Credit Bureaus are a scam instead. If you need instruction on how to do I sale instruction Make your own decision. Or keep letting the Credit Bureaus do you in. Also I have another alternative on there too build a new business credit file incorporating yourself and how to get shelf corps. Learn people and stop listening to these people that think everything is a scam but the main scammers the Credit Bureau which is in this game for profit.

  • This guy is misinformed, or a fraud himself. Using a CPN is perfectly legal, in fact, I encourage people to register them with the IRS. The only thing that makes it illegal is intent. If you purposely default on a bunch of loans, they can get you. NOW, if your business acquires a bunch of credit on its EIN without a personal guarantee, then goes bankrupt…typical failed American dream. Just saying. Also, I can have you in a new car in as little as 30 days. Better offer, I can provide you a couple of pdfs that contain the following info

    * the most legit method of cleaning up
    credit reports (fill in blank debt validation letters, citing laws surrounding your legal rights)

    *cpn creation guide (full walkthrough of creation, building credit, and maintaining for long term legit use)

    *business credit guide (for building huge amounts of business credit, even if you
    dont have a business)

    *bonus material on banking secrets and tips that they dont want avg joes to learn. ( they designed the system to keep the poor from learning these things and attaining wealth.)

    This is all together about $2000 worth of info (some is priceless if you ask me). Im willing to share it for $50. If you can pull on my heart strings good enough, you can probably get it out of me for less than that.

  • CPN is nothing more than a term for using a stolen social security number. Shady credit repair companies go on SSNValidator
    and find a social that has been issued after 2011, call it a CPN and charge you for it. If you put that “CPN” on an application where it say’s social security number you could be arrested. Go ahead and take the chance if you want to but it’s 100% not worth it. If you are selling CPN’s and advising people to use it in that fashion than you are guiding people down the wrong path.

  • Stop Lying to these people. A proper CPN goes through all the verification to insure it does not belong to anyone. This is a bald face lie!! I’ve been in federal court where a prosecutor tried to bring up the fact I bought a home with one and the judge threw it out. Also, the federal website tells you CLEARLY that they are legal. Credit bureaus are fucking family owned businesses and are not entitle to your social security number. The ssn was even created for that fucking reason. Point if fact if you use one and pay your Bill’s on time no one fucking cares. Quit LYING!!

    Right off the FBI WEBSITE!!

    Bottom of page #35

    35 Credit Privacy Numbers (CPNs) are nine-digit file numbers that follow the same algorithm as Social Security

    Account Numbers (SSANs). Currently, federal law allows individuals to legally use CPNs for financial reporting and protects those individuals who do not wish to disclose their SSAN. Individuals who acquire CPNs are completely responsible for any debt they incur using this number. Acquiring a CPN is supposed to be a free service;
    therefore, Web sites that offer CPNs for a fee are most likely scammers.

  • So you’ve been prosecuted for using a CPN, yet you still think it’s a good idea? A CPN is nothing more than a stolen SSN. There is no way to confirm that it doesn’t belong to someone without going directly to the SSA (which you cannot). Using a CPN on an application in the field where it clearly states “Social Security Number” is a crime and a fraud.

  • My opinion Equifax had breach , Captial One had a breach all our stuff is on the dark web waiting for someone to just use it. And the Credit Bureau gives you hell to get stuff deleted. Why not be anonymous we be better off. Just saying. Or we just let the banks and credit cards and stores just lose our info nobody does nothing about it and they just don’t give a dam. Oh that sounds better than getting a CPN yeah right. I would rather be anonymous if I had a choice. I ain’t mad at people that use CPN’s they smarter than all of us.

  • Wow, marvelous weblog structure! How lengthy have you been blogging
    for? you make running a blog glance easy. The entire glance of your site is excellent,
    let alone the content material! You can see similar: sklep and here ecommerce

  • Wow, awesome weblog format! How long have you
    ever been blogging for? you made running a blog look easy.
    The total look of your site is great, as smartly as the content!
    You can see similar: sklep online and here sklep internetowy

  • It’s very interesting! If you need help, look here: hitman agency

  • Thank you for the auspicious writeup. It in fact was a amusement account it.
    Look advanced to far added agreeable from you! By
    the way, how can we communicate? I saw similar here: sklep online and also here: sklep online

  • Nice post. I used to be checking continuously this blog and I’m inspired!
    Very useful info particularly the ultimate part 🙂 I
    care for such info a lot. I used to be looking for this certain info for a very lengthy time.
    Thank you and best of luck. I saw similar here: ecommerce and also here: sklep

  • Hi there, just wanted to mention, I loved this post.
    It was funny. Keep on posting! I saw similar here: Sklep

  • Hi there, You’ve done an excellent job. I’ll definitely digg it and personally recommend
    to my friends. I’m confident they’ll be benefited from this web site.
    I saw similar here: Dobry sklep

  • I used to be suggested this website through my cousin. I
    am not sure whether or not this post is written by him as no
    one else understand such exact about my problem.

    You’re amazing! Thanks! I saw similar here: Sklep internetowy

  • Hi there! Do you know if they make any plugins to help with Search Engine Optimization? I’m trying to get my blog to rank
    for some targeted keywords but I’m not seeing very good gains.
    If you know of any please share. Appreciate it! You can read similar
    article here: Sklep online

  • It’s very interesting! If you need help, look here: ARA Agency

  • You are in point of fact a just right webmaster. The site loading
    pace is amazing. It kind of feels that you’re doing any unique trick.
    In addition, the contents are masterwork.
    you’ve done a great job in this subject! Similar here: and also here: Dyskont online

  • Hi there! Do you know if they make any plugins to help with Search Engine Optimization? I’m trying
    to get my blog to rank for some targeted keywords but I’m
    not seeing very good gains. If you know of any please share.
    Cheers! You can read similar art here: Najlepszy sklep

  • Hey! Do you know if they make any plugins to assist with
    SEO? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good success.

    If you know of any please share. Cheers! You can read similar art here:
    Sklep internetowy

  • Hmm is anyone else having problems with the images on this blog loading?

    I’m trying to determine if its a problem on my end or if
    it’s the blog. Any feedback would be greatly appreciated.

  • Thanks for a marvelous posting! I certainly enjoyed reading it, you are a great author.I will always bookmark your blog
    and will come back someday. I want to encourage you
    continue your great work, have a nice holiday weekend!

  • Hello there! I know this is kind of off topic but I was wondering
    if you knew where I could locate a captcha plugin for my comment form?
    I’m using the same blog platform as yours and I’m having trouble finding
    one? Thanks a lot!

  • I’m not that much of a online reader to be honest but your sites really nice,
    keep it up! I’ll go ahead and bookmark your website to come back in the future.

    Many thanks

  • If you are going for finest contents like I do,
    only go to see this web site everyday for the reason that it
    offers feature contents, thanks

  • This is my first time pay a quick visit at here and i am really happy to read everthing at one place

  • Hi! Do you use Twitter? I’d like to follow you if
    that would be okay. I’m definitely enjoying your blog and
    look forward to new updates.

  • Wow Thanks for this blog post i find it hard to realize smart specifics out there when it comes to this topic thank for the publish site

Leave a reply:

Your email address will not be published.