1. What is a CPN (Credit Privacy Number) or SCN (Secondary Credit Number)?
It is a nine-digit identification number that can be used instead of an SSN (Social Security Number), and it is no different from a social security number!
Some Americans use CPN/SCN to hide their social security number, which does not contradict US laws, namely the Privacy Act of 1974, Section 5, which states the following -
"You have the right to keep your social security number confidential and not to be denied service because of your refusal. Credit bureaus are not government agencies, so you are not required to provide them with your social security number."
CPN/SCN is used by most American celebrities, members of Congress and government workers to protect their SSN and from credit card tracking and other actions by the media.
2. For what purposes can CPN/SCN be used?
CPN/SCN can be used for anything that may require credit reporting from you.
Having CPN we can get:
• Credit cards
• Loans for buying a car
• Loans for renting a house/apartment
• Paypal credit (previously worked 100%)
• Registration of bank accounts
And much more ...
Cannot be used to receive:
• State Benefits (Unemployment Benefits
• State programs (Food stamps, etc.)
• Mortgage
• Interest income
But we will use CPN/SCN to create self-registered BA, which will definitely not belong to anyone, using this example you will learn how to create a cpn for any of your purposes.
There are cases when you need to have the owner's data KH in order to create a self-registered BA and drain the money, but the holder's ssn is not punched or the KH has an account on the same bank, the situations can be different, in such cases many do not know what to do, but knowing how to create (Synthetic personality) we can replace the owner.
STEP
- Creating a Synthetic Personality:
What do you need to create a completely new synthetic personality?
Open any text editor and write the following information! You could say we are creating the full thing ourselves! I advise you to use English, as it will be easier to intuitively remember and fill out forms.
• First name and Last name (optional Middle Name):
• CPN/SCN:
• Date of birth (DOB - Date of Birth): I advise you to stick to the age from 23 to 63
• Current employment status
We can choose any type of employment, but avoid choosing types of employment that may be associated with small or large companies, as companies summarize documents to private firms for creditors to check work experience. We adhere to the type of employment "Self-employed or owner of your own business and come up with a name for the business, and you can also indicate that you are a designer, programmer, etc. and remember the name of the business / enterprise, since in the future, questions regarding work will be in BG questions when registering BA accounts and in different offices. By googling “List of self employed jobs or Best / Top Self employed jobs” you can see different lists of types of work considered typically self-employed. If the person you are creating is mature, then we indicate the period of service of 6 years 3 months, if young, then 3 years and 3 months.
• Annual income (Annual Salary): We will indicate between ($ 55,000 - $ 85,000), or even better, google the average annual income of the state and city you have chosen.
For example, you can enter the following request:
Los Angeles, Ca median Household Income
• Rent - We indicate the cost of rent no more than 20% of the monthly salaries.
• Address - credit cards or debit cards and welcome sets from banks will be sent to this address after opening a checking account.
• Email - Email (Register in normal domains)
• Phone Number: We can use Google Voice, or rent a number.
• Mother's or great-grandmother's maiden name (MMN): We come up with a random one.
Creating a CPN/SCN:
CPN/SCN/SSN consists of 9 numbers divided into three sections: XXX-XX-XXXX
• First Three numbers: Region/State Number
• Next Two: Group Number
• Last Four: Serial Number
A great site for decoding ssn numbers that we will use:
stevemorse.org/ssn/ssn.html and also socialsecuritynumerology.com/prefixes.php
To find specific years from 2003 to 2011 - we can check here:
www.ssa.gov/employer/ssnvhighgroup.html
You can read more about the structure of ssn at the link: www.ssa.gov/history/ssn/geocard.html
For example, I chose the first 5 digits
245-99-XXXX North Carolina (NC).
We need to choose the remaining 4 digits correctly.
For example, 245-99-5396
Go to the site:
SSNVALIDATOR.com
This site will help us find out the validity of the number and whether the 9-digit number we selected belonged to a dead person?
This site does not tell us anything else besides this.
Next, go to the site:
www.searchbug.com
We need this site to find out the status of the use of the CPN number we selected,
We need to register a Business account otherwise it will not give access to the ssn checker, after registration you will need to wait 24 hours for the account to be activated, the first ssn search is free, for subsequent ones you will need to buy tokens (internal currency).
But how to choose a number that definitely does not belong to anyone?
There is a simple trick for this, find "non issued" numbers. Using the example of the number "034" belonging to the state of Massachusetts, you can see that some even or odd group numbers are missing (034-02, 034-04, etc.) - they are just right for us. This is certainly not the only state or number with unissued group numbers.
Website: socialsecuritynumerology.com/prefixes.php
We go to the site: stevemorse.org/ssn/ssn.html
And check "034-02: Not Issued" Great, we have decided on the first 5 digits, we randomly write the remaining 4 digits "034-02-2518" and our CPN number is ready!
STEP 2 - Select an existing address
We have taken the first important step, now we need an existing address, a house with its own mailbox (not an apartment or anything else, but a house), as was said earlier, credit/debit cards, etc. will come there. Go to Zillow.com or Rencafe.com (or any other site with ads for the sale/rent of apartments. Rent section and look for houses that are rented in the state and city that you have chosen and copy the address of the house you have chosen into our text editor.
Next we need a phone number, you can use Google Voice, but I recommend you rent an Esim.
To make the number match the city and state, google "city, state area code" or go straight to the site allareacodes.com and find the city code.
Fullz for our synthetic personality looks like this.
We have completed the first and second stages!
STEP 3 - Creating a Credit Profile
TRI - MERGE - This term refers to combining reports from three major and large credit bureaus "Experian, Equifax, TransUnion" into one, or 3 in 1 in short.
All of these credit bureaus (Experian, Equifax, TransUnion) are separate commercial agencies and they do not share any information they have about a consumer with each other with some exceptions, so each consumer has one report and one rating from each credit bureau and they can differ significantly. The tri-merge report gives a complete picture of the consumer's credit profile as well as the risks as a borrower.
Our goal is to index our "Synthetic Personality" in all the "Big Three" credit bureaus and build up a credit history to make our nine-digit CPN/SCN work.
If you were not allowed to register after 3 days, it means that our data did not get to the credit bureaus. In my example, I can say that for Bryan Davis after 3 days it was not allowed to register in creditkarma and others, but I made another cpn on August 30 and left an application for 4 credit cards "Amex BlueCash, Capitalone Venture, Discover Cashback and The Victoria Card from Victoria's Secret", the data was indexed in the credit bureaus on the same day.
As a result, I left an application for a credit card for Bryan Davis and successfully created an account on Creditkarma the next morning, the result is that credit bureaus receive our data late if you leave an application for a car loan. And it is best to leave applications for credit cards from Capitalone, Discover, Amex, Citi Credit Cards.
And if after all these manipulations you failed to register after 3 days, this can mean one thing, someone is already using your cpn number. After registration, go to Overview/dashboard and see our credit score from TransUnion and Equifax, it is of course zero and we will fix it soon. After that, go to Overview/Score details, scroll down and see our "Hard Inquiries", these are refusals for credit cards that we left and actually see who transferred our data to the credit bureau.
Now we can be sure that our cpn is indexed in the "Big Three"
For the next step we need Ba accounts with a registered credit card, and those credit card logs that many people say are useless.
"What's the big deal?" you ask.
Most banks allow their customers to add an authorized user to their credit cards.
What is an authorized user "Authorized user" or AU?
It is someone who is allowed to use someone else's credit card. An authorized user may be issued their own credit card with their name on it, but the account belongs to the primary cardholder.
The AU can spend money from the account, but they are not required or expected to make payments on the credit card, no matter how much they spend. The primary cardholder is responsible for payments and changes.
And most importantly, the AU gets into the credit reports of the person who added it, and this way we can very quickly increase the credit score of our synthetic personalities!
One of the important steps in indexing cpn is to leave an application for a loan or a credit card at the bank:
www.centralbank.net
This is the only bank out of many that transmits information about the employment status entered by you to credit bureaus and other agencies. When filling out the form to obtain credit cards, questions are asked regarding work, work experience, etc. All these questions will be asked when creating self-registrations as BG questions, so you need to write down all the answers in a notebook.
You can do this in any order, even when you are just leaving applications for credit cards or at the end when cpn is already indexed in credit offices!
It is a nine-digit identification number that can be used instead of an SSN (Social Security Number), and it is no different from a social security number!
Some Americans use CPN/SCN to hide their social security number, which does not contradict US laws, namely the Privacy Act of 1974, Section 5, which states the following -
"You have the right to keep your social security number confidential and not to be denied service because of your refusal. Credit bureaus are not government agencies, so you are not required to provide them with your social security number."
CPN/SCN is used by most American celebrities, members of Congress and government workers to protect their SSN and from credit card tracking and other actions by the media.
2. For what purposes can CPN/SCN be used?
CPN/SCN can be used for anything that may require credit reporting from you.
Having CPN we can get:
• Credit cards
• Loans for buying a car
• Loans for renting a house/apartment
• Paypal credit (previously worked 100%)
• Registration of bank accounts
And much more ...
Cannot be used to receive:
• State Benefits (Unemployment Benefits
• State programs (Food stamps, etc.)
• Mortgage
• Interest income
But we will use CPN/SCN to create self-registered BA, which will definitely not belong to anyone, using this example you will learn how to create a cpn for any of your purposes.
There are cases when you need to have the owner's data KH in order to create a self-registered BA and drain the money, but the holder's ssn is not punched or the KH has an account on the same bank, the situations can be different, in such cases many do not know what to do, but knowing how to create (Synthetic personality) we can replace the owner.
STEP
- Creating a Synthetic Personality:What do you need to create a completely new synthetic personality?
Open any text editor and write the following information! You could say we are creating the full thing ourselves! I advise you to use English, as it will be easier to intuitively remember and fill out forms.
• First name and Last name (optional Middle Name):
• CPN/SCN:
• Date of birth (DOB - Date of Birth): I advise you to stick to the age from 23 to 63
• Current employment status
We can choose any type of employment, but avoid choosing types of employment that may be associated with small or large companies, as companies summarize documents to private firms for creditors to check work experience. We adhere to the type of employment "Self-employed or owner of your own business and come up with a name for the business, and you can also indicate that you are a designer, programmer, etc. and remember the name of the business / enterprise, since in the future, questions regarding work will be in BG questions when registering BA accounts and in different offices. By googling “List of self employed jobs or Best / Top Self employed jobs” you can see different lists of types of work considered typically self-employed. If the person you are creating is mature, then we indicate the period of service of 6 years 3 months, if young, then 3 years and 3 months.
• Annual income (Annual Salary): We will indicate between ($ 55,000 - $ 85,000), or even better, google the average annual income of the state and city you have chosen.
For example, you can enter the following request:
Los Angeles, Ca median Household Income
• Rent - We indicate the cost of rent no more than 20% of the monthly salaries.
• Address - credit cards or debit cards and welcome sets from banks will be sent to this address after opening a checking account.
• Email - Email (Register in normal domains)
• Phone Number: We can use Google Voice, or rent a number.
• Mother's or great-grandmother's maiden name (MMN): We come up with a random one.
Creating a CPN/SCN:
CPN/SCN/SSN consists of 9 numbers divided into three sections: XXX-XX-XXXX
• First Three numbers: Region/State Number
• Next Two: Group Number
• Last Four: Serial Number
A great site for decoding ssn numbers that we will use:
stevemorse.org/ssn/ssn.html and also socialsecuritynumerology.com/prefixes.php
To find specific years from 2003 to 2011 - we can check here:
www.ssa.gov/employer/ssnvhighgroup.html
You can read more about the structure of ssn at the link: www.ssa.gov/history/ssn/geocard.html
For example, I chose the first 5 digits
245-99-XXXX North Carolina (NC).
We need to choose the remaining 4 digits correctly.
For example, 245-99-5396
Go to the site:
SSNVALIDATOR.com
This site will help us find out the validity of the number and whether the 9-digit number we selected belonged to a dead person?
This site does not tell us anything else besides this.
Next, go to the site:
www.searchbug.com
We need this site to find out the status of the use of the CPN number we selected,
We need to register a Business account otherwise it will not give access to the ssn checker, after registration you will need to wait 24 hours for the account to be activated, the first ssn search is free, for subsequent ones you will need to buy tokens (internal currency).
But how to choose a number that definitely does not belong to anyone?
There is a simple trick for this, find "non issued" numbers. Using the example of the number "034" belonging to the state of Massachusetts, you can see that some even or odd group numbers are missing (034-02, 034-04, etc.) - they are just right for us. This is certainly not the only state or number with unissued group numbers.
Website: socialsecuritynumerology.com/prefixes.php
We go to the site: stevemorse.org/ssn/ssn.html
And check "034-02: Not Issued" Great, we have decided on the first 5 digits, we randomly write the remaining 4 digits "034-02-2518" and our CPN number is ready!
STEP 2 - Select an existing address
We have taken the first important step, now we need an existing address, a house with its own mailbox (not an apartment or anything else, but a house), as was said earlier, credit/debit cards, etc. will come there. Go to Zillow.com or Rencafe.com (or any other site with ads for the sale/rent of apartments. Rent section and look for houses that are rented in the state and city that you have chosen and copy the address of the house you have chosen into our text editor.
Next we need a phone number, you can use Google Voice, but I recommend you rent an Esim.
To make the number match the city and state, google "city, state area code" or go straight to the site allareacodes.com and find the city code.
Fullz for our synthetic personality looks like this.
We have completed the first and second stages!
STEP 3 - Creating a Credit Profile
TRI - MERGE - This term refers to combining reports from three major and large credit bureaus "Experian, Equifax, TransUnion" into one, or 3 in 1 in short.
All of these credit bureaus (Experian, Equifax, TransUnion) are separate commercial agencies and they do not share any information they have about a consumer with each other with some exceptions, so each consumer has one report and one rating from each credit bureau and they can differ significantly. The tri-merge report gives a complete picture of the consumer's credit profile as well as the risks as a borrower.
Our goal is to index our "Synthetic Personality" in all the "Big Three" credit bureaus and build up a credit history to make our nine-digit CPN/SCN work.
If you were not allowed to register after 3 days, it means that our data did not get to the credit bureaus. In my example, I can say that for Bryan Davis after 3 days it was not allowed to register in creditkarma and others, but I made another cpn on August 30 and left an application for 4 credit cards "Amex BlueCash, Capitalone Venture, Discover Cashback and The Victoria Card from Victoria's Secret", the data was indexed in the credit bureaus on the same day.
As a result, I left an application for a credit card for Bryan Davis and successfully created an account on Creditkarma the next morning, the result is that credit bureaus receive our data late if you leave an application for a car loan. And it is best to leave applications for credit cards from Capitalone, Discover, Amex, Citi Credit Cards.
And if after all these manipulations you failed to register after 3 days, this can mean one thing, someone is already using your cpn number. After registration, go to Overview/dashboard and see our credit score from TransUnion and Equifax, it is of course zero and we will fix it soon. After that, go to Overview/Score details, scroll down and see our "Hard Inquiries", these are refusals for credit cards that we left and actually see who transferred our data to the credit bureau.
Now we can be sure that our cpn is indexed in the "Big Three"
For the next step we need Ba accounts with a registered credit card, and those credit card logs that many people say are useless.
"What's the big deal?" you ask.
Most banks allow their customers to add an authorized user to their credit cards.
What is an authorized user "Authorized user" or AU?
It is someone who is allowed to use someone else's credit card. An authorized user may be issued their own credit card with their name on it, but the account belongs to the primary cardholder.
The AU can spend money from the account, but they are not required or expected to make payments on the credit card, no matter how much they spend. The primary cardholder is responsible for payments and changes.
And most importantly, the AU gets into the credit reports of the person who added it, and this way we can very quickly increase the credit score of our synthetic personalities!
One of the important steps in indexing cpn is to leave an application for a loan or a credit card at the bank:
www.centralbank.net
This is the only bank out of many that transmits information about the employment status entered by you to credit bureaus and other agencies. When filling out the form to obtain credit cards, questions are asked regarding work, work experience, etc. All these questions will be asked when creating self-registrations as BG questions, so you need to write down all the answers in a notebook.
You can do this in any order, even when you are just leaving applications for credit cards or at the end when cpn is already indexed in credit offices!
