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Legal Advice

The CPN is a nine-digit number that has the exact same genetic makeup of a Social Security Number.

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This is not a government issued number like an EIN or TIN. This number is NOT a new social and NOT a tax ID or EIN. It is simply an available file number at the credit bureaus that can have financial information reported.

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You have the right to establish this number only once, so do not abuse it. This explanation is not here to advise anyone to misrepresent your Social Security Number, as you are completely responsible for any debts you incur using your Credit Privacy Number.

WE DO NOT SELL TO DEFRAUD ANY GOVERNMENT OR TAX INDIVIDUALS.

USE AT YOUR OWN DISCREET AND FOLLOW THE RULES TO ITS LEGAL EXTENT .



 

Why do I need a new Credit Profile Number (CPN)?
 

Have you been turned down by the banks because of your past credit history ?

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Did you lose your job and got behind on payments ?

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We have all had situations out of our control that ended up ruining our credit. Are you today ready to make that first step, to a fresh New Credit File. This file will show no past credit history !! It will be a clean slate for you to work with.

 



A CPN or Credit Profile Number is a nine digit number that has a design make up of a Social Security Number (they look exactly the same). The CPN number is an available file number that the Credit bureaus have on file. Credit bureaus are private companies that take reports about financial information from creditors, banks and other financial businesses. This description is not here to advise anyone or to misrepresent your Social Security Number. You are completely responsible for any debt that you incur while using your new CPN.

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What most people don't know is that a lot of people use alternate CPN´s and have been for many years. People like celebrities; people that want witness protection right down to government workers. For example many celebrities want to keep information from the media that the Media would track down and use for purchases, tabloid news, news, etc. Witness protection people can be tracked down by using their true social security number for items they purchase. This here is the reason why Credit Profile Numbers are in existence, the actual number is a credit profile number, if you don't set another number up and furnish your social security number to the banks, they will use your social security number as the CPN (this is most commonly what happens in the U.S. today) .





Did you know that you are required only by law to release your social security number to your employer and the Internal Revenue Services, registering a vehicle, buying a firearm, or applying and obtaining a federal-insured loan. Each credit bureau works a different schedule.

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Right now the federal law allows you legally to use a private ID# for your financial reporting purposes instead of your Social Security number. Read Title 5, Section 7 of Publication Law 93-579 of Government Organization and Employees Act :
 

(a)    (1) It shall be unlawful for any Federal, State or local Government Agency to deny any individual any right, benefit. Or privilege provided by law because of such individual's refusal to disclose his or hers Social security number.
 

The law states that no federal, state or local government agency may deny you any right,privilege or benefit due to your refusal to provide your Social Security number for any reason than producing money for retirement account with the Social security Administration,the IRS and your employer today.
 

Were you aware that credit Bureaus are not legally allowed to require your Social Security Number !
 

When it comes to credit,banks and loans,there are two things you should know. The first relates to the law pertaining to the usage of your social security number as a identification  tool. The second, thing you should know CREDIT BUREAUS are private companies and are not affiliated with the government in any way !
 

What this all means is Federal Law protects those who do not wish to disclose their personal information ( Social Security number) except when required to do so.

SOCIAL SECURITY ADMINISTRATIONS website.

Legal requirements to provide your Social Security number

Must I provide a Social Security number to any business or government agency that asks?



The Social Security number was originally devised to keep an accurate record of each individual’s earnings, and to subsequently monitor benefits paid under the Social Security program. However, use of the Social Security number as a general identifier has grown to the point where it is the most commonly used and convenient identifier for all types of record-keeping systems in the United States.



Specific laws require a person to provide his or her Social Security number for certain purposes. While we cannot give you a comprehensive list of all situations where a Social Security number might be required or requested, a Social Security number is required or requested by the following organizations:

Internal Revenue Service for tax returns and federal loans;
 

Employers for wage and tax reporting purposes;
Employers enrolled in E-Verify;
States for the school lunch program;
Banks for monetary transactions;
Veterans Administration as a hospital admission number;
Department of Labor for workers’ compensation;
Department of Education for Student Loans;
States to administer any tax, general public assistance, motor vehicle or drivers license law within its jurisdiction;
States for child support enforcement;
States for commercial drivers’ licenses;
States for Food Stamps;
States for Medicaid;
States for Unemployment Compensation;
States for Temporary Assistance to Needy Families; or
U.S. Treasury for U.S. Savings Bonds

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The Privacy Act regulates the use of Social Security numbers by government agencies. When a federal, state, or local government agency asks an individual to disclose his or her Social Security number, the Privacy Act requires the agency to inform the person of the following: the statutory or other authority for requesting the information; whether disclosure is mandatory or voluntary; what uses will be made of the information; and the consequences, if any, of failure to provide the information.

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If a business or other enterprise asks you for your Social Security number, you can refuse to give it. However, that may mean doing without the purchase or service for which your number was requested. For example, utility companies and other services ask for a Social Security number, but do not need it; they can do a credit check or identify the person in their records by alternative means.

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Giving your Social Security number is voluntary, even when you are asked for the number directly. If requested, you should ask why your Social Security number is needed, how your number will be used, what law requires you to give your number and what the consequences are if you refuse. The answers to these questions can help you decide if you want to give your Social Security number. The decision is yours.

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.

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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.

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