How to obtain a cpn number for free: Fill out & sign online (2024)

FAQs

How to apply for a CPN number for free online? ›

The truth is that there is no legitimate way to obtain a CPN because CPNs are not issued or recognized by any official government entity. As described above, the only way to get a CPN is to purchase a stolen or Social Security number.

Where can I get a CPN number? You should not get a CPN number. You should use your Social Security number anywhere that a CPN number might be required. It's illegal to use a number other than your Social Security number in a credit application so there's no reason to apply for a CPN number.

Credit Protection Number (CPN) Schemes

CPN schemes are promoted by companies claiming that they can clean up credit and/or guarantee a credit score of 700-800 in a short period of time. These companies find random SSNs, which are run through public databases to determine their status.

But because the individual is actually using someone else's SSN, if they get caught they'll face arrest for fraud or identity theft. How much does a CPN cost? Scammers might charge hundreds or thousands of dollars for a CPN, while SSNs are issued free of charge.

Worse, CPNs might actually be someone else's stolen Social Security number. Other criminals use programs to spoof fake Social Security numbers to make them pass as legitimate ones. Usually, they do this by using Social Security numbers that haven't been issued yet.

While you technically can use a CPN to secure a personal loan without providing your own Social Security number or ITIN, that doesn't mean it's legal. Typically, the CPN you're given is someone else's Social Security number. If discovered, you could be arrested and charged with identity theft or fraud.

While CPNs exist in a legal gray area, scammers often compare them to other legal personal identifiers used by government officials and agencies. Here are a few other common identifiers that you should know about: Employer identification number (EIN). This nine-digit number is a unique identifier for businesses.

CPNs recertify annually between November 1 and January 31 by submitting a quick online application.

No. Additionally, using a CPN in place of an SSN can be a federal crime.

Yes, that would be consumer fraud.

Is using a CPN for an apartment illegal? ›

It is illegal and there is always a risk of prosecution, but it is rare. She should start by establishing credit under her true social security number. She should stop using the CPN number and start using her real social.

According to the Federal Trade Commission, lying on a credit application and misrepresenting your Social Security number are both federal crimes. Even if you obtain a CPN from a company that looks 100 percent legit, you're still breaking the law if you plug that into the Social Security box on a credit application.

Derogatory accounts need to be outweighed by positive accounts, so one's credit report should contain at least 2-3 positive tradelines for every negative account. Therefore, multiple tradelines may be necessary to balance out derogatory accounts damaging one's credit.

An individual can be issued only one CPN number over a lifetime and the process is typically handled with the assistance of a legal professional. The CPN is not a substitution for a social security number.

To request a different Social Security number, contact your local Social Security office for an in-person appointment.

For people who would benefit from a CPN, they are free and provided by the Social Security Administration Office. You cannot buy a legal CPN on the internet to fix your credit rating. It's best to not trust any websites or companies that claim they can give a CPN for a credit reset.

Make sure to pick an address for a home not an apartment. If you need to choose an apartment address for this process make sure you choose the correct apartment number as shown in the Zillow listing. Make sure you write this down along with your CPN Number. You will also need to have a new phone number.