Aug 18, 2025 · CPNs are derived from stolen or fabricated Social Security Numbers, misrepresenting information to financial institutions. Individuals using CPNs for financial gain can face severe …

Aug 11, 2023 · Companies that sell CPNs to consumers market them as a way to hide a bad credit history or bankruptcy. They'll also claim you can use the CPN instead of your SSN to apply for credit …

Mar 5, 2024 · CPNs aren’t issued by the federal government and have no official legal standing. They operate in a legal gray area, but using a CPN to apply for credit constitutes fraud, and they’re often …

Jan 19, 2024 · Using CPNs to help repair or cover up poor credit history is illegal. The government does not issue CPNs, and using anything other than a government approved or issued identification on a …

Sep 30, 2025 · These nine-digit fill-ins are also known as credit profile numbers and credit protection numbers. Companies that sell CPNs falsely claim that people looking to rebuild their credit can use a …

Nov 18, 2025 · Discover why credit privacy numbers (CPNs) are illegal and how they put you at risk for federal fraud charges. Learn legitimate ways to rebuild your credit safely.

Some companies sell CPNs as a quick fix for bad credit or a way to hide bankruptcies. Using a CPN to conceal your credit history is illegal and may be considered identity theft.

5 days ago · Learn why “new credit identities” and CPNs are illegal, how they put consumers at legal and financial risk, and what to do instead to repair your credit safely and legally.

May 28, 2024 · Unlike a real SSN, though, CPNs are not issued or recognized by the government, and they are illegal to use on credit applications. CPNs are also sometimes called credit protection …

Aug 10, 2025 · Uncover the truth about Credit Privacy Numbers. Learn what CPNs are, their misleading claims, and the serious legal consequences of their use.