CPN / SCN Important Q&A

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Answers to all your questions on CPN / SCN Numbers

CPN / SCN Is 100% Legal

The government actually endorses consumers to have a CPN / SCN number (Credit Privacy Number) to protect their social security number from being compromised by identity theft.

More Information About Legal CPN / SCN Numbers

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A CPN Number or SCN Number is a unique 9-digit number merged together with your personal information. A CPN / SCN Number is registered with the 3 credit reporting Bureaus and can have payments and financial information reported to.

Currently the U.S. Government allows you to possess and use another 9 digit number beside your Social Security number to compile your personal financial information. But you are not allowed to abuse these numbers and you will be completely responsible for any debts on your SSN and your new CPN Number or SCN Numbers.

It is your legal right to keep your SSN private by using a separate number for credit related purposes. The law says you are only required to disclose your SSN number to the Internal Revenue Service, your job (your employer), registering a motor vehicle, applying for a federally backed loan (FHA, Fannie Mae, etc), child support, DSS income, SSI taxes, and buying and registering a firearm.

Please note that a CPN / SCN does not replace your SSN, this number can only be used for Credit Reporting purposes.


 How does CPN Number and SCN Number Work ?

A CPN Number and SCN Number can be utilized in place of one's SSN when applying for credit. It is a person's legal right to keep his or her SSN private and employ a separate number for credit related reasons.

Using a CPN Number (Credit privacy number) makes it easier to segregate finances in the event of identity theft. Without access to a SSN the thief is somewhat limited in the amount of difficulties they are creating for the rightful owner of the number.

Getting a CPN Number, a Private Credit Number, does not release a person from his or her previous debts. In fact the individual remains liable for all debts incurred on credit accounts referencing a SSN OR CPN OR SCN. Obtaining this number will not replace old bad credit. That is what makes it different from any credit repair or restoration scams.

You can use a CPN Number & SCN Number for anything that usually requires credit reporting purposes.

You can use a CPN NUMBER TO GET: Credit Cards, Auto loans, Cable, Utilities, Apartments, Office and open Bank accounts.

When it comes to the FICO score, any new credit file which is automatically created by the bureaus computer will be blank and you will need to re-establish credit by applying for a credit card or other credit lines under the law.




A CPN Number or SCN Number is separate from your SSN. It helps to protect one's SSN from various internet threats such as identity theft. These numbers can be used in place of the Social Security Number when an individual applies for credit.

Creditors do not get any benefits when their clients get a new credit file. Based on the 1974 Privacy Act, a person is not obligated to give his or her Social Security Number to any private entities. When it comes to the legality, SCN numbers are completely legal. However, it should be kept in mind that they can be utilized for credit purposes only and not for deceitful intentions.


FBI: “Credit Privacy Numbers (CPNs) are nine-digit file numbers that follow the same algorithm as Social Security
Account Numbers (SSANs). Currently, federal law allows individuals to legally use CPNs for financial reporting and protects those individuals who do not wish to disclose their SSAN. Individuals who acquire CPNs are completely responsible for any debt they incur using this number"


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