Frequently Asked Questions

Q: Why do these organizations insist on requiring your social security number to
identify you?
A: Because we allow them to!The sole purpose of your social security number is
for tax and social security use ONLY!
The law states that No federal, state, or local government agency may deny you
any right, privilege or benefit due to your refusal to provide your SS # for any other
reason than producing money for retirement account with the Social Security
Administration, the IRS and your employer today.
Credit Bureaus are not legally allowed to “require” your Social Security Number.
In our country’s present credit reporting system a person may be assumed guilty and then
must expend a great deal of time and resources to prove his or her innocence.
Additionally, once a negative item is in a credit file it may remain long past the 7 year
time period most people believe is used. Additionally, a misreported item can show
up in a credit report multiple times.
Q: What Will My New Credit Score Be?
A: Your new credit file will be completely blank, and it will take the acquiring
of credit accounts and
credit history to attain a new credit score.

Q: Am I still responsible for all my old debts?
A: Yes. You are still completely responsible to handle all of your prior debts.
Q: Is this a second social security number?
A: No. Your new nine digit credit profile number will not be used for any
government interactions.
Employment, Drivers License’s, Welfare, and any other social welfare was meant
to utilize your Social
Security Number to gain benefits.
Q: Can I use this number just like a Social Security Number?
A: No. This number is for credit purposes only and is not to be used for the
following: Military, Child
support, DSS income, SSI, taxes, FHA, VA, or any government programs or funding.
Q: What Can I Use With My New Credit Profile?
A: This new credit profile can be used for credit purposes only. It can be used
for attaining credit cards,
car loans, mortgages (private party only), personal unsecured loansand more.
Q:What can I use my new CPN OR SCNfor?
A: You can useyour newCPN Number /SCN Number foranycredit reporting purposes.
Use itto opening a bank accounts, credit cards, personal loans, auto loans, apartments,
utilities, cable, cell phones, etc.
Q:AmIresponsibleforthedebtsonmyoldreport?
A: Yes!You are responsible forall debts on your old report and debts incurred with your
CPNNumber / SCNNumber. Youmust remember that while you are rebuilding your
credit, you mustuse your new number wisely.
Q:Are CPN/SCN Numbers legal?
A. Yes. Go to “Is This Legal” page on ourwebsite for more info.
Due tocertain rights guaranteed by the1974 US Privacy Act Title V(View The 1974
Privacy Act), federal law allows theability for someone to legally usea private ID #for
financial reporting purposes instead of aSocial Security Number. Title 5, Section 7of
Publication Law93-579 ofGovernment Organization and Employees Act:
…(a) (1) It shall beunlawful for any Federal, State or Local Government Agency todeny
any individual any right, benefit, orprivilege provided by lawbecause ofsuch
individual’s refusal to disclose his orher’s Social Security Account Number.
The law states that No federal, state, orlocal government agency may deny you any right,
privilege orbenefit dueto your refusal to provideyour SSNfor anyotherreason than
producing money forretirement account with theSocial Security Administration, theIRS
and your employer today. Credit Bureaus are not legally allowed to “require” your Social
Security Number. In our country’spresent credit reporting system aperson maybe
assumed guilty and then must expend agreat deal of timeand resources toprove his or
her innocence. Additionally, once a negative item is in acredit fileit may remain long
past the7 year timeperiod most peoplebelieve is used. Additionally, amisreported item
can show up in acredit report multiple times. Credit bureaus are privatecompanies and
are not affiliated with thegovernment in any way, whatsoever. Although, thecredit
bureaus would likeyou to think otherwise.
Q:What will my new FICO score be?
A: Any new credit filewhich is automatically crated by the credit bureaus computer will
beblank. You will need to reestablish your credit,byapplying for credit cards and other
lines.
Q:What does the law say about credit and financial matters?
A: Title 5 oftheUnited States Code Annotated 552(a) known as the Privacy Act, ruledin
part: “Right toprivacy is apersonal right designated to protect persons from the
unwanted disclosure of personal information.” – CAN Financial Corp vs. Local 743, D.D.,
I11, 1981 15F. Sup. 943, I11.
(A)(1) “It shall be unlawful to deny any individual any right, benefit, orprivilege
provided by law because ofsuch individuals refusal to disclose his orher social security
account number”.
Pub. L93-579: (B) “Any Federal, State, orLocal Government Agency which requests an
individual todisclose their Social Security Account Number shall inform that individual
whether thedisclosure is mandatory orvoluntary, by what statutory orother authority
such number is solicited, and what uses will bemade ofit.”
The Equal Credit Opportunity Act (ECOA) prohibits creditors from denying you aloan
based on reasons that have nothingtodo withyour credit-worthiness.
Q:How does this program work?
A: By understanding the law and applying credit re-establishment techniques, our proven
techniques specializes in theestablishment ofcredit through acompletely separate and
legal entity. With your new completely and separate legal entity, you will beable tobuild
anew credit-worthy profile.
Q:How fast can I get credit through my new legal entity?
A: As soon as your new CPN/SCN Number has been assigned to you, your new
credit profile is created and you can start applying for credit.
Q:Can I use the CPN/SCNNumber to open Bank Accounts and apply for personal loans?
A: YES
Q:Can I use the CPN/SCN on credit card applications?
A: YES; You can useyour new credit profile obtain major credit cards, department store
cards, gas cards, auto loans, bank loans, real estate, and anyother type offinancing you
desire.

Q:Can you use the CPN/SCN Number for a mortgage?
A:NO
Q:Can I use my CPN/SCN Number for employment?
A:NO
Q:Will my current credit profile get mixed in with my new credit profile?
A: The onlyway your new credit profile can get mixed in with your old inour program is
by willingly disclosing your old credit profile information with your new one
So again: Pay every debt you incur, beupfront, do notcommit fraud, donot useyour
number forany government loans or programs and you’llbe fine!
And have FUN!!Enjoy your new freedom and life!!!
If you haveany questions pertaining to theuseofa CPN/SCN, please do not
hesitate toask me. If we can answer your question and help you, we will!

Thank you for your business!

If your questions have not been answered above, we recommend you do your own
research. Please use your CPN/SCN wisely and responsibly. We assume no liability for
use or misuse of YOUR CPN/SCN. Youhave been give the basic guidelines and
instructions and have been given further advice to bring yourself upon the current
laws concerning CPN/SCN numbers.
This program is not intended to beused as a method of defrauding banks, creditors,
or any other organization that requires your social security number as identification.
This program is not amethod to avoid paying your existing or future debts. Ifyou
created the debt, you are responsible to repay that debt. However, we will not support,
facilitate, nor condone any fraudulent activity. The information here is informational
purposes only and for you to use at your own risk. We are not lawyers, legal
Services or Licensed Consultant.We have a strict no refund policy because of the work needed to give you
the info.