What is CPN ? [2023]
1. What is CPN (Credit Privacy Number) or SCN (Secondary Credit Number)?
This is a nine-digit identification number that can be used instead of an SSN (Social Security Number) and is no different than a social security number!
Some Americans use CPN/SCN to hide their social security number, which is not contrary to US law, namely the Privacy Act of 1974 section 5, which states the following -
"You have the right to keep your social security number private and not be disenfranchised because of your refusal. Credit bureaus are not government agencies, so you are not required to give them your social security number."
CPN/SCN is used by most American celebrities, members of Congress and government officials to protect SSNs and from credit card tracking and other media activities.
2. For what purposes can CPN/SCN be used?
CPN/SCN can be used for anything that may require you to report credit. With CPN we can get:
• Loans for renting a house/apartment
• Paypal credit (I haven't tried it myself and I'm not very friendly with PP. but it works 100%)
• Creation of Bank self-registrations
• State Benefits (Unemployment Benefits
• State programs (Food stamps, etc.)
But you and I will use CPN/SCN to create ba self-registers that will definitely not belong to anyone, using this as an example, you will learn how to create cpn for any of your purposes.
There are times when you need to have the data of the owner of kh in order to create a self-registration ba and drain the money, but the ssn of the holder does not break through or the kh has an account on the same bank, the situations may be different, in such cases many do not know what to do, but being able to create (Synthetic personality ) we can change the owner.
STEP 1️⃣ - Creating a Synthetic Personality 🚹🚺
What does it take to create an entirely new synthetic personality? 👤
Open any textbook and write the following info! We can say we ourselves create a fulka! I advise you to use English, as it will be easier to intuitively remember and fill out the forms.
• Name and Surname (First name, Last Name optional Middle Name) :
We choose a typical American name, but we try to avoid such banal names as John Smith, Peter, Tom, Jim, well, it’s not worth it too pretentious either.
• Date of birth (DOB - Date of Birth): I advise you to stick to the age from 23 to 63
• Current Employment status - We can choose any type of employment, but avoid choosing employment types that may be associated with small or large companies, as companies aggregate documents to private firms for creditor verification of seniority. We adhere to the type of employment "Self-employed or the owner of our own business and come up with a name for the business, and you can also indicate that you are a designer, programmer, etc. and remember the name of the business / enterprise, since in the future questions regarding work will be in BG questions when registering ba accounts and in different Googling “List of self employed jobs or Best/Top Self employed jobs” you can see different lists of job types that are considered typically self-employed If the person you are creating is mature then the service life is 6 years 3 months, if young then 3 years and 3 month.
•Annual Salary : We'll put between ($55,000 - $85,000), or better yet, google the average annual income of your chosen state and city.
For example, you can enter a query like this:
Los Angeles, Ca median Household Income
• Rent (Rent) - The cost of rent is indicated no more than 20% of the monthly salary.
•Address - credit cards or debit cards and welcome set from banks will be sent to this address after opening a checking account.
•E-mail - Email (Register in normal domains)
• Phone Number : We can use Google Voice, or rent a number.
• Mother's or great-grandmother's maiden name (MMN): We come up with randomly.
CPN/SCN/SSN consists of 9 numbers divided into three sections : XXX-XX-XXXX
• First Three Numbers : Region/State Number
An excellent site for decoding ssn numbers which we will use:
stevemorse.org/ssn/ssn.html and also socialsecuritynumerology.com/prefixes.php
To find specific years from 2003 to 2011 - we can check here:
www.ssa.gov/employer/ssnvhighgroup.htm
You can read more about the structure of ssn at the link: www.ssa.gov/history/ssn/geocard.html
For example, I chose the first 5 digits
245-99-XXXX State of North Carolina (North Carolina, NC).
We need to correctly select the remaining 4 digits.
SSNVALIDATOR.com
This site will help us find out the validity of the number and did the 9-digit number we chose belong to a dead person?
This site tells us nothing more than that.
We need this site in order to find out the status of using the CPN number we have chosen,
We need to register a Business account, otherwise it will not give access to the ssn checker, after registration you will need to wait 24 hours for the account to be activated, the first ssn search is free, for subsequent ones you will need to buy tokens (internal currency).
But how to choose a number that definitely does not belong to anyone?
There is a simple trick to do this, find "non issued" numbers. On the example of the number "034" belonging to the state of Massachusetts, you can see that some even or odd group numbers are missing (034-02, 034-04, etc.), they are just right for us. This is certainly not the only state or number with unissued group numbers.
Website: socialsecuritynumerology.com/prefixes.php
Go to the site: stevemorse.org/ssn/ssn.html
And check "034-02: Not Issued" Great, we decided on the first 5 digits, randomly write the remaining 4 digits "034-02-2518" and our CPN number is ready!
STEP 2️⃣ - Find an existing address 🏠📮
We have taken the first Important step, now we need an existing address, a house with its own mailbox (not an apartment and nothing else, namely a house), credit / debit cards, etc. will come there as it was said before. We go to Zillow.com or Rencafe.com (or any other site for selling / renting apartments. Rent section and look for houses for rent in the state and city of which you have chosen and copy the address of the house you have chosen into our text box.
Next, we need a phone number, you can use Google Voice , if you have long-term plans for cpn, you can rent a number or buy a Prepaid phone
To make the number match the city and state, google "city, state area code" or go directly to allareacodes.com and find the area code
Fulk for our synthetic personality looks like this.
STAGE 2️⃣ - Creation of a Credit Profile 💳 🏦
TRI - MERGE (Triple Merging) - This term refers to the merging of the reports of the three main and large credit bureaus "Experian, Equifax, TransUnion" into one, in short 3 into 1.
All of these credit bureaus (Experian, Equifax, TransUnion) are separate commercial agencies, and they do not share available information about the consumer among themselves with some exceptions, therefore each consumer has one report and one rating from each credit bureau and they can differ significantly. The tri-merge report gives a complete picture of the consumer's credit profile as well as the risks as a borrower.
Our goal is to index our "Synthetic Identity" in all the "Big Three" credit bureaus and build up a credit history in order to make our nine-digit CPN/SCN number work.
Of course, no one will immediately approve a car loan for us and we will be refused, our goal was to index our CPN under our data in the big three. For example, I left an application for both roadloans and capitalone, but you do not need to leave an application for both, one is enough, after that we wait from 1 to 3 days!
Refusals in our reports will be in the "Hard Inquiries" about this just below.
After you have left applications for credit cards or for a car loan, you can immediately, or better a day later, go to the site
https://www.optoutprescreen.com/
Кликаем по "CLICK HERE TO OPT-IN OR OPT-OUT"
On the next page, select OPT-IN and on Continue
Then we enter the data of our synthetic identity, enter the captcha and then click on Confirm
This step is not mandatory, but it is better to do it, so we ourselves give the go-ahead for the use and processing of our data to companies, etc.
After 1-3 days, go to one of the sites below to monitor your credit profile and register.
If you were not allowed to register after 3 days, this means that our data did not get to the credit bureaus. In my example, I can say that after 3 days Bryan Davis was not allowed to register in creditkarma and others, but I made another cpn on August 30th and left an application for 4 credit cards " Amex BlueCash, Capitalone Venture, Discover Cashback and The Victoria Card from Victoria's Secret , the data was indexed by the credit bureaus on the same day.
As a result, for Bryan Davis, I left an application for a credit card and the next morning I successfully created an account on Creditkarma , the result is that credit bureaus receive our data late if you leave an application for a car loan. And it's best to apply for credit cards from Capitalone, Discover, Amex, Citi Credit Cards.
And if after all these manipulations it was not possible to register after 3 days, this can mean one thing, someone is already using your cpn number.
After registration, go to Overview/dashboard and see our credit score from TransUnion and Equifax, it is of course zero and we will fix it soon. After we go to Overview / Score details, scroll down and see our "Hard Inquires", these are the refusals for credit cards that we left and actually see who transferred our data to the credit bureaus.
Now we can be sure that our cpn is indexed in the "Big Three"
For the next step, we need BA accounts with a credit card logged in, and those credit card logs that many say are useless.
"What's the point?" - you ask.
Most banks allow their customers to add an authorized user to their credit cards.
What is an "Authorized user or AU" ?
This is someone who is allowed to use someone else's credit card. An authorized user may be issued their own credit card with their name, but the account belongs to the primary cardholder.
An AU can spend money from an account, but is not required or expected to make credit card payments, no matter how much they spend. The primary cardholder is responsible for payments and changes.
And most importantly, AU gets into the credit reports of the person who added it, and in this way we will be able to wind up the credit score of our synthetic personalities very quickly!
Click on "MORE", then on "Account Services" and Add an Authorized User.
A new page opens, here we write the data of our synthetic personality, the city and state are set automatically if we write the zip number. After filling in the required fields, click "Add Authorized User".
For example, I chose the Chase log, but you can and will use any other ba account (there are some useless ones I will write about below), but be sure to check your mail after adding kx, as there are banks that send a letter, using the example of the Discover bank I can say for sure , they send 2 emails, the first one about successfully adding an AU, and the other along the lines of "AU was added to your card recently. was that you?", so always check and delete the letters from the mail. In other ba accounts, when adding an AU, there is a line "I know ssn for authorized user" check the box and just enter our cpn. And they may also ask "send the AU card to your address or to the AU address, you can choose to the AU address, then the card will not come to the card holder address"
The Credit Score of your synthetic personality will not change immediately, pay attention to the Statement or Bill pay Day "Loan payment date", Credit Score will be updated the next day after the loan payment date! In my case, after September 10th.
One of the important steps in indexing cpn is to apply for a loan, or a credit card in a bank:
It is the only bank among many that transmits information about the employment status entered by you to credit bureaus as well as to other authorities. When filling out the form for obtaining credit cards, they ask questions regarding work, length of service, etc. All these questions will be asked when creating self-registers as BG questions, so you need to write down all answers in a notebook.
You can do this in any order, even when you are just leaving applications for credit cards or at the end when cpn is already indexed in credit offices!