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CPNs Explained

CPN (credit profile number) is used by celebrities and politicians to build new credit profiles without using their real social security number (SSN) to reduce identity theft risks. Credit reporting agencies like Equifax, Experian, and TransUnion maintain credit profiles using information reported by lenders, banks, and other entities about things like on-time payments and credit inquiries. Tradelines and becoming an authorized user are methods used to quickly boost a CPN's credit score through reporting fake loan repayment activity or adopting the credit score of another user's account. CPN fraud involves creating entirely synthetic identities and building their credit profiles until excellent credit is achieved, at which point large loans and credit cards can be obtained and maxed out to

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507 views

CPNs Explained

CPN (credit profile number) is used by celebrities and politicians to build new credit profiles without using their real social security number (SSN) to reduce identity theft risks. Credit reporting agencies like Equifax, Experian, and TransUnion maintain credit profiles using information reported by lenders, banks, and other entities about things like on-time payments and credit inquiries. Tradelines and becoming an authorized user are methods used to quickly boost a CPN's credit score through reporting fake loan repayment activity or adopting the credit score of another user's account. CPN fraud involves creating entirely synthetic identities and building their credit profiles until excellent credit is achieved, at which point large loans and credit cards can be obtained and maxed out to

Uploaded by

King
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as TXT, PDF, TXT or read online on Scribd
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CPN (credit profile number)

- this is essentially just an SSN but for a synthetic and non existent "holder". It
is legitimately used by celebrities, politicians, and other big timers who don't
want to put their real ssn on forms for risk of having their identity stolen.
It is an unused ssn for various reasons, basically anyone who is not utilizing the
credit system. These ssn are repurposed as a CPN and used to build new credit
profiles.
Credit reporting agencies a.k.a the CRAs are the 3 major credit report bureaus
which consists of Transunion , Equifax and Experian. These agencies report credit
activity that they receive from primarily lenders and banks but it can be anyone
that reports payments through credit. For example, you have a new credit card with
3 Months of age and have been paying all the bills on time. Your bank will be
reporting to these 3 agencies that you have made all payments on time , and these
on time payments will raise your credit score. Or suppose you apply for a new Wells
Fargo credit card, Wells Fargo will want to check if your credit score and activity
is sufficient for this card , so they will make what is called an "inquiry" on your
credit reports from the 3 major agencies using the info you provided on the
application. This inquiry in itself is a small report to the agencies that appears
on the credit report and is one of the building blocks of a CPN profile.

Tradelines - a tradeline is the use of a sketchy/ shady business to give your CPN a
fast boost on getting high credit score. These businesses are classified as lenders
to credit unions, and are used for reporting fake activity on your CPN profiles to
the 3 agencies. For example they will sell a package where they report to creditors
that you have paid back $5000 in debt to them , in exchange you pay $150 for the
service and you give your cpn info to them name adress date of birth SSN/CPN etc
then after 14 -30 days the debt being paid off will reflect on the credit report
for your profile. The $5000 in paid off debt is completely false but it will be
reported to the agencies and make your CPN profile look like a real person who is
paying off debts. This is very beneficial as it makes your profile look trustworthy
and able to handle money being lent to them.

Authorized User- An authorized user is a person with access to anothers line of


credit. Inturn allowing them receive the benefits of another credit score such as
Credit Cards, Loans, Grants, and etc. Eventually even adopting the credit score of
the line of credit you are an AU of. A person selling Primaries, the ability to
become an AU on a line of credit, builds CPNs or their own lines of credit to sell
limited access to a buyer of the primary to become an AU on their credit line.
Allowing them to eventually adopt an their credit score with ease.

CPN fraud- Is the art of basically creating your own CPNs and building up their
credit scores up until they have excellent credit score and history that will
qualify for big loans and credit cards. These lines of credit will be fully under
your control. You own them because they are synthetic identities , fake names and
social security numbers that don't actually exist. You can max out all cards at any
time you want to cashout or continue to build and build for a bigger cashout. All
up to you.

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