CPN | Synthetic personality | Elitesecs
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1. What is CPN (Credit Privacy Number - "Confidential Credit Number") or SCN (Secondary Credit Number - "Secondary Credit Number") ?
This is a nine-digit identification number that can be used instead of SSN (Social Security Number), and it does not differ from the social security number in anything!
Some Americans use CPN / SCN to hide their social security number, which does not contradict US laws, namely the 1974 privacy law section 5th, which states the following -
"You have the right to keep your social security number secret and not be deprived of the right to service because of your refusal. Credit bureauus are not government agencies, so you are not required to provide them with your social security number."
CPN / SCN is used by most American celebrities, congressional members, and government officials to protect SSN and from tracking credit cards and other media activities.
2. For what purposes can CPN / SCN be used ?
CPN / SCN can be used for anything that may require credit reporting from you. With CPN we can get :
• Loans for the purchase of a car
• Home / apartment rental loans
• Paypal credit (I have not tried it myself and I am not very friendly with PP. But 100% works)
• Creation of Banking Samoregs
• State Benefits (Unemployment Benefits
• Government programs (Food stamps, etc.)
But you and I will use CPN / SCN to create ba self-regions that will definitely not belong to anyone, using the example of this you will learn how to create cpn for any of your goals.
There are times when you need to have the owner’s data kh in order to create a self-region ba and drain the money, but ssn choder does not break through or kh has an account on the same bank, the situations may be different, in such cases, many do not know what to do, but when we can create (Synthetic personality) we can replace the owner.
STAGE 1 म ?? - Creation of a Synthetic Person 🚹 🚺
What is needed to create a completely new synthetic personality? 👤
We open any texture and write the following info! You can say we create a cap ourselves! I advise you to use English, as it will be easier to intuitively remember and fill out forms.
• First name, Last Name at the request of Middle Name :
We choose a typical American name, but we try to avoid such banal names as John Smith, Peter, Tom, Jim, well, too, too fully.
• Date of birth (DOB - Date of Birth): I advise you to keep ages from 23 to 63
• Current Employment status -We can choose any type of employment, but avoid choosing the types of employment that may be associated with small or large companies, since companies summarize documents to private firms for lenders to check 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, as well as you can indicate that you are a designer, programmer, etc. and remember the name of the business/enterprises since in the future questions regarding the work will be in BG issues when registering a ba account and in different offices. Google “ List of self employed jobs or Best / Top Self employed jobs ” you can see different lists of types of work considered typically self-employed. If the person you create is mature,then the service life is indicated for 6 years 3 months, if young then 3 years and 3 months.
•Annual income (Anual Salary): We will indicate between ($ 55, 000 - $ 85, 000), and even better to google the average annual income of your chosen state and city.
For example, you can drive in such a request:
Los Angeles, Ca median Household Income
•Rent (Rent) - The cost of rent is indicated not more than 20% of the monthly salary.
•Address - credit cards or debit cards will come to this address and welcome set from banks after opening a billing account.
•Email (Register in normal domains)
•Phone Number: We can use Google Voice, or rent a room.
•Mother's maiden name or great-grandmother (MMN): We come up with a 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 rooms of which we will use :
stevemorse.org/ssn/ssn.html and the same 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 ssn building at : www.ssa.gov/history/ssn/geocard.html
For example, I chose the first 5 digits
245-99-XX 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 our chosen 9-digit number belong to a dead person ?
This site doesn’t tell us anything else.
We need this site in order to find out the status of using our chosen CPN number,
We need to register a Business Account otherwise will not give access to the ssn check, after registration we will need to wait 24 hours for the account to be activated, the first search ssn is free, for the following you will need to buy tokens (internal currency).
But how to choose a number that definitely does not belong to anyone ?
To do this, there is a simple focus, find "non issued" unreleased numbers. Using the number “ 034 ” belonging to the state of Massachusetts, you can see that there are no some even or odd group numbers (034-02, 034-04, etc.) they are just right for us. This is certainly not the only staff or room with unissued group numbers.
Website : socialsecuritynumerology.com/prefixes.php
We go to the site : stevemorse.org/ssn/ssn.html
And we check "034-02: Not Issued" Well, we determined the first 5 digits, randomly write the remaining 4 digits "034-02-2518" and our CPN number is ready !
STAGE 2 म ?? - Find the existing address 🏠 📮
We took the first important step, now we need an existing address, a house with our inbox (not an apartment and nothing else but a house), credit / debit cards, etc. We turn to Zillow.com or Rencafe.com (or any other site for announcements of sale / rental of apartments. section Rent and we are looking for houses which you rent in the state and city of which you have chosen and copy the address of your chosen home to 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 room or buy a prepaid phone
To match the city and the state, google "city, state area code" or immediately go to the site allareacodes.com and find the city code.
The fulcrum for our synthetic personality looks like this.
We have completed the first and second stages !
STAGE 2 म ?? - Creating a Credit Profile 💳 🏦
TRI - MERGE (Triple Merge) - This term refers to the combination of reports of the three main and large credit bureauus "Experian, Equifax, TransUnion" in one, if briefly 3 in 1.
All of these credit bureauus (Experian, Equifax, TransUnion) are separate commercial agencies, and they do not share the available information among themselves about the consumer, with some exceptions, therefore, each consumer has one report and one rating from each credit bureau and they can vary 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 Personality" in all the credit bureauus of the "Big Three" and screw up the credit history in order to make our nine-digit CPN / SCN number a worker.
I created 2 personalities for the manual
To compare and find out who quickly transfers information to credit bureauus. For the first person, he left an application for a car loan / car loan on roads.com (the old method worked 12 years ago), and for the second person he left an application for credit cards.
DriveTime.com (old not very way)
quickenloans.com (old not very way)bankofamerica.com/home-loans/mortgage/applying-for-mortgage-loan.go
And you can also leave an application for the purchase or repair of a house or credit card.
I advise you not to leave more than 2 applications !
Of course, no one will immediately approve of the loan for the car 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 roadloans and capitalone, but you do not need to leave an application in both, in one enough, after that we wait from 1 to 3 days !
Failures in our reports will be in Hard Inquiries a little lower.
After you have left applications for credit cards or for a car loan, you can immediately go to the site a better day later
https://www.optoutprescreen.com/
We click on "CLICK HERE TO OPT-IN OR OPT-OUT"
On the next page we select OPT-IN and on Continue
Then enter the data of our synthetic personality, enter the captcha and then click on Confirm
This step is not necessary, but it is better to do it, so we ourselves give the green light to the use and processing of our data to firms, etc.
After 1-3 days, we go to one of the sites below to monitor the credit profile and register.
If you were not allowed to register after 3 days, this means that our data did not reach the credit bureau. In my example, I can say that for Bryan Davis after 3 days it did not allow to register in creditkarma and in others, but I made another cpn on August 30 and left an application for 4 credit cards "Amex BlueCash, Capitalone Venture, Discover Cashback and The Victoria Card by Victoria's Secret", the data was indexed by credit bureauus on the same day.
As a result, for Bryan Davis, I left a credit card application and in the next morning successfully created an account on Creditkarma, the result of this, credit bureauus receive our data late if you leave an application for a car loan. And it’s best to leave credit card applications from Capitalone, Discover, Amex, Citi Credit Cards.
And if after all these manipulations it was not possible to register after 3 days, this may mean one, someone already uses your cpn number.
After registration, go to the Overview / dashboard and see our credit score from TransUnion and Equifax, it is certainly zero and we will fix it soon. After we go to Overview / Score details we flipping down and see our "Hard Inquires", these are credit card failures that we left and actually see who transferred our data to the credit bureau.
Now we can be sure that our cpn is indexed in the Big Three"
For the next step, we need Ba accounts with a congenital credit card, and those logs with a credit card about which many say that they are useless.
"What is the trick?" - you ask.
Most banks allow their customers to add an authorized user to their credit cards.
What is authorized user or AU users" ?
This is the one who is allowed to use someone else's credit card. An authorized user may be issued his own credit card with his name, but the account belongs to the main cardholder.
The AU may spend money from the account, but it is not required and not expected that it will make payments on a credit card, regardless of how much it has spent. The main card holder is responsible for payments and changes.
And most importantly, the AU gets into the credit reports of the person who added it, and thus we can very quickly screw the loan of our synthetic individuals !
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 the state are set automatically if you write a 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 account ba (there are some useless ones I will write about them below), but be sure to check the mail kh after adding, since there are banks that send a letter, on the example of Discover, I can say for sure that they send 2 letters, the first about the successful addition of AU, and the other in the spirit of "recently, AU has been added to your card. were it you? ", So always check and delete letters from the mail. In other account ba, when adding AU, there is a string "I know ssn for authorized user" check the box and simply enter our cpn. And they may also ask "send an 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 address Kh"
Credit Score of your synthetic identity will not change immediately, pay attention to Statement or Bill pay Day "Date of payment on credit", Credit Score will be updated the day after the date of payment on the loan ! In my case, after September 10th.
One of the important steps when indexing cpn is to leave a loan application, or a credit card in a bank :
This is the only bank of many that transfers information on the status of employment that you have entered into credit bureauus as well as to other bodies. 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-regs as BG questions, so you need to write all the answers in a notebook.
You can do this in any order, even when you only leave applications for credit cards or at the end when cpn is already indexed in credit offices!
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