A CPN (Credit Profile Number) is a nine-digit number used as an alternative to a Social Security Number (SSN) in some situations, such as when applying for credit or opening a bank account. It is also known as a secondary credit number or credit privacy number. While some companies claim to offer CPNs for sale, it is important to note that using a CPN to apply for credit is illegal, and obtaining a CPN for fraudulent purposes is a crime.
That being said, there are some legitimate situations where you may need a CPN number, such as if you are a victim of identity theft and need to protect your credit while you work to resolve the issue. In these cases, you can obtain a CPN from a credit repair agency, but it is important to do your research and make sure you are working with a reputable company.
Here are the steps to obtain a CPN:
- Find a reputable credit repair agency. Look for companies that have been in business for a long time and have positive reviews from customers. You can also check with the Better Business Bureau to see if the company has any complaints against it.
- Contact the credit repair agency and explain why you need a CPN. They will likely require some documentation, such as a police report if you are a victim of identity theft.
- Pay the fee. Legitimate credit repair agencies will charge a fee for their services, which may include obtaining a CPN for you. The fee will vary depending on the company and the services you need.
- Use the CPN responsibly. Remember, using a CPN to apply for credit is illegal, and if you are caught, you could face serious consequences. However, if you need to protect your credit while you work to resolve identity theft or other issues, a CPN can be a useful tool.
It is important to note that while a CPN can help protect your credit in some situations, it is not a replacement for a Social Security Number. You should always provide your SSN when required, and only use a CPN in situations where it is allowed and appropriate. Additionally, if you do obtain a CPN, you should monitor your credit closely to ensure that it is not being used fraudulently.