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About CPNs

What are the all about? You have heard a lot of people talking about this subject.  Some say that there is no such thing.  Others say they are illegal, and some informed people say they are definitely for real.  Let us provide a little more insight.

QUESTION

You have the same rights..

Legality of 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:  @ (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 Social Security Account Number.

What this means is that Federal Law protects those who do not wish to disclose their personal information (SS#) except where required to do so.  Disclosure of your social security number is only required when dealing with the IRS, your employer, or when applying for a federally insured mortgage.  Instead of a Social Security Number, you have the opportunity to establish a Credit Privacy Number (CPN).

“With just about anything, some people have taken advantage & misused this legal process & given it a bad name.  Credit Privacy Numbers are NOT fake Social Security Numbers & should not be presented as such.  They are a completely legal right available to all of us”

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COMMON QUESTIONS

- What will my new credit score by?

- Am I still responsible for my old debt?

- Is this a second Social Security Number?

- Can I use it like a Social Security Number?

- What can I do with my new credit profile?