You may have difficulty getting approval for any loan or financing if you have bad credit. But that doesn't mean you don't need a credit or a loan to help you out of a difficult situation.

If you're looking to erase your battered financial past and start over, a Credit Privacy Number, or CPN, seems the way to go. Credit repair companies often offer CPN for people who want to apply for a loan without being associated with their bad credit history. However, CPN is usually part of a credit recovery scam and can do more harm than good. Before you buy a CPN Number, pay attention to the consequences you can expect.

What is a CPN Number?

A CPN is a number that identifies you as a consumer. It's not the same as your social security number, which is used to identify you when you apply for credit accounts or other services. Financial institutions use CPN Numbers to verify identity and eligibility for products and services, such as checking accounts or credit cards. Companies also use them to track their sales of products and services to improve customer service.

How can I use my CPN Number?

CPN numbers are used for the following:

  • Credit accounts. You can use your CPN number to open a credit account with your bank, issuing you a debit card and PIN. This will allow you to make purchases online or in stores that accept cards, such as department stores and restaurants.
  • Financial transactions like bills payment and transfers between banks (for example, money transfers). Some financial institutions also use your CPN Email address for other services like bill payments or loans; however, these services require additional information from you before they can be processed. This may not apply if all of the above options are available with your CPN Email address alone!
  • Renting properties using property management companies using their database of properties nationwide who can provide information about how much rent each month should cost based on what type of place it is, i.e., apartments vs. condos, etc. It's easier than ever because there isn't any paperwork involved anymore - give them access via email today!

What happens after I apply for a CPN Number?

Once you apply for a CPN number, a credit reporting agency will check your identity and credit history. If they find any issues with your application, they'll contact you to let you know what needs to be done before issuing the number.

If all goes well and the agency approves your application (which can take up to three weeks), congratulations! You now have access to one of the most powerful tools available on the Google Play Store—one that lets users buy apps without having an actual credit card attached.

How will I receive my CPN Number?

You will receive your CPN number in the mail. Your card will arrive within 2-3 weeks, after which it can be used as a debit card at any store that accepts VISA debit cards.

CPN numbers are not given out over the phone or in person, and they are only available through postal mail and cannot be entered online unless you use an application like Green Dot's new one (more on later).

To get your CPN number, you will need two forms of ID. One must be a photo ID, and the other can be an employee ID card or a utility bill with your name. 

What type of credit accounts should I get with my CPN Number?

When you need to get a credit account, there are a few things that are important to consider. If you're thinking of opening up a checking account or other types of financial account, your CPN Number should help you qualify for it.

  • Credit Cards: To get approved for any credit card, including store-issued ones like Target or Walmart Pay and online lenders such as Discover Financial Services (DFS), Capital One 360 Direct Lenders, and Chase Slate Cardholders can use their unique ID numbers to speed up the approval process. You'll also find that many banks require that customers have an active state-issued driver's license number before accepting them as new customers; if this isn't available yet, try calling one of the local branches where they're located.
  • Student Loans: Many universities offer student loan consolidation services which allow students who owe more than $10k in debt at once time after graduating college without having issues paying back their loans regularly, thanks partly because these businesses offer better terms than those provided by private lenders like Sallie Mae Bank (SLMB) because they don't charge interest rates higher than 5%.

How can I benefit from a CPN number?

You can use a CPN number to open a credit card, get a loan, and apply for a mortgage. It's not the same as your social security number (SSN), which is the number you use when applying for jobs or financial services.

A CPN is also used to establish credit history and identity. If you already have your SSN and want to establish an identity online, use it instead of creating an account with your current information.

What is the difference between an SSN and a CPN number?

CPN is not the same as SSN.

A CPN number can be used to apply for credit, but it's not a replacement for your Social Security number (SSN). Your SSN is used for identification purposes and must be verified with the Social Security Administration before you can be eligible for employment or financial services.

Common CPN Scams

The first thing to know is that CPN numbers are not the same as social security numbers. A social security number (SSN) is used to establish credit in the United States, while a credit provider number (CPN) is mainly used for establishing credit abroad.

CPNs can also be used to open bank accounts and other types of financial services if you have one. Still, it's not required for opening a bank account or anything else like it being used as part of your identity verification process.

How To Avoid Common CPN Scams

Here are some tips to help you avoid common CPN scams:

  • Do your research. Be skeptical of anyone who claims to have a CPN Number, and ask questions about the number itself before giving it out. Be suspicious if the person claiming to have the number says that it's for their company or organization but doesn't provide any additional information about how they got it and where they got it from! They might be trying to get money from you by selling something else instead of providing useful information about their product or service (like software).
  • Ask questions if someone asks for payment upfront in exchange for access to their product/service; they may also charge monthly fees after using said product/service so as not to waste any more resources building up trust with customers over time (which would mean less profit per sale). This can lead us all down paths toward financial ruin unless we're careful enough to know what we're getting ourselves into and how much money should go into our pockets when making these investments.


That's all there is to it. If you're ready to start protecting yourself from scams by getting a CPN number, we recommend contacting us at [email address], and one of our representatives will walk you through the process step-by-step.