Equifax is offering all consumers a free credit freeze only through Jan. 31, after which it will be replaced by the free lifetime credit lock. But a credit lock is not the same as a freeze. (Neither should it be confused with fraud alerts, a weaker protection that no one is really recommending anymore.) Locks are not regulated. They were created more recently by the bureaus. Locks are not regulated. They were created more recently by the bureaus. You can keep all your personal information protected by using a CPN.
A CPN Number or SCN Number is separate from your Social Security Number (SSN). It helps to protect one’s Social Security Number (SSN) from various internet threats such as identity theft. These numbers can be used in place of the Social Security Number (SSN) when an individual applies for credit. Creditors do not get any benefits when their clients get a new credit file. Based on the 1974 Privacy Act, a person is not obligated to give his or her Social Security Number (SSN) to any private entities. When it comes to the legality, CPN Number (Credit Privacy Number) / SCN Number (Secondary Credit Number) are completely legal. However, it should be kept in mind that they can be utilized for credit purposes only and not for deceitful intentions.