Bad credit is bad for your wallet. It might also put your life at risk, new research suggests. A working paper published by the Federal Reserve Bank of Atlanta argues that a person who suddenly finds himself owning at least one severely delinquent account has a 5 percent increased risk of death in the following three months. Possible reasons for the increased risk of death: Debt can trigger stress and “stress-related behaviors such as poor nutrition and substance use,” while at the same time lead to a reduction in “health care use and adherence to medical treatment plans,” the study found. We can help you with your low credit score!

CPN numbers are a second chance in the credit game. A secondary credit number(SCN) is a nine-digit number that has the exact same genetic makeup of a Social Security 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. It 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.