The only silver lining I can think of to the Equifax breach is that it has expanded awareness of credit fraud, moving people to look for ways to protect their credit. But for many, the options to protect your credit may seem overwhelming. Ultimately, the best option is the one you will actually do and one that gives you peace of mind. We have many options available. You need to first start by protecting your personal information. You can do so by getting a CPN.
It is your legal right to keep your Social Security Number private, and use a separate number for any credit related purposes. You can use the existing laws to your advantage for a change. Due to certain rights guaranteed by the (1974 US Privacy Act Title V ), you have the right to keep your Social Security Number private and not be denied service due to your refusal. The credit bureaus are not government agencies, so you do not have to give them your Social Security Number. 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.