Credit Inquiries

Mysterious credit inquiries or accounts on a credit report are considered signs of identity theft. Now, there’s a chance that another mistake has been made  maybe our commenter’s credit file got mixed with someone else’s. Maybe a data furnisher really (really, really) screwed up. In any event, the first step to getting erroneous credit inquiries or fraudulent accounts removed is to dispute them with the credit bureaus.

You can use a CPN to protect your personal information. CPNs are commonly used by celebrities,members of congress, individuals
involved in witness protection program and those who may have experienced identity theft. 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. 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.