Identity Theft is on the rise! It is your legal right to keep your Social Security Number (SSN) private by using a separate number for credit related purposes. The law says you are only required to disclose your Social Security Number (SSN) to the Internal Revenue Service, your work place (your employer), registering a motor vehicle, applying for a federally backed loan (FHA, Fannie Mae,etc), child support, DSS income, SSI taxes, and buying and registering a firearm.
Currently the U.S. Government allows you to possess and use another 9
digit number beside your Social Security Number (SSN) to compile your
personal financial information. But you are not allowed to abuse these
numbers and you will be completely responsible for any debts on your
Social Security Number (SSN) and your new credit profile under the CPN
Number / SCN Number.
A CPN Number (Credit Privacy Number) / SCN Number (Secondary Credit Number) is a unique nine digit identification number that can be used to report financial information to all three credit bureaus. A CPN NUMBER / SCN Number is registered with the Three Credit Reporting Bureaus the process to do so called TRI-Merge (Submitting your personal information & the CPN / SCN to the 3 credit bureaus) and after that you will be able to have payments and financial information reported to.