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Legal or Illegal


I get asked this many, many times during the week, and instead of repeating myself, here is the answer to your questions about CPN/SCN being illegal or legal.

Credit Profile Numbers or Secondary Credit Numbers are legal, however if you step over that line, they can become illegal very quickly.

1. A CPN or SCN is NOT and should never be considered an SSN number. Even when asked by creditors you should state that it is a CPN/SCN number. It is illegal to tell any creditor that it is an SSN number.

2. It is illegal to obtain a document showing your CPN/SCN as a SSN number, since it is NOT an SSN number.

3. It is illegal to obtain a drivers license from someone other than the Drivers License Bureau. Novelty documents are not legal if you are using them to get any kind of credit or loans with you CPN/SCN.

4. You cannot use your CPN/SCN for employment NO -

5. You cannot file taxes or pay taxes using your CPN/SCN. NO

6. You cannot check a CPN against something that checks SSNs because it is NOT an SSN number -

7. YOU must pay any debt that you have gotten on your SCN/CPN it is your responsibility to do so or you are defrauding the creditors which is ILLEGAL.

Do not let anyone tell you differently when it comes to the legality of CPN/SCNs. Yes you can use them for credit, yes you can do a lot of things, but there is a thin line between legal and illegal. DONT cross it.


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This program is not intended to be used as a method of defrauding banks, creditors, or any other organization that requires your social security number as identification. This program is not a method to avoid paying your existing or future debts. If you 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 or any legal services. We have a non refund policy because of the work needed to give you the info.  

 

Affordable Financials has posted this message in plain sight on the front page of our webpage so consumers can be aware "CPN's" are defined as any 9 digit number which can be used for credit; such as a SSN, ITIN, TIN, or EIN and it is very clear the largest warehouser of converted 9 digit government issued numbers; such as, ITIN, TIN, SSN, and EIN ARE IN FACT FOUND THROUGH OUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE and ATTACHED TO CREDIT AND LOAN FOLDER LEGALLY ORIGINATED BY THESE SAME BANKS.

IT IS OUR STATEMENT THAT Affordable Financials IS NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: A. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; B. Representing that the building of a new credit record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer's own social security number is legal; C. Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and D. Misrepresenting any fact material to a consumer's decision to purchase our products or services. E. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers ("DBNs"), Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; F. Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer's own Social Security Number is legal; G. Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and H. Misrepresenting any fact material to a consumer's decision to purchase our products or services.