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Credit Repair the easy but yet expensive way...


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“CPN”

(Credit Privacy Number)

How to Set Up & Use

You’re “Credit Privacy Number”

Presently, federal law allows the ability for someone to legally use a Credit Privacy Number instead of a Social Security Number. Title 5, Section 7 of Publication Law 93-579 of Government Organization and Employees Act: (a) (1) It shall be unlawful for any Federal, State or Local Government Agency to deny any individual any right, benefit, or privilege provided by law because of such individual's refusal to disclose his or hers Social Security Account Number. What this means is Federal Law protects those who do not wish to disclose their personal information (SS#) except where required to do so. Disclosure of your social security number is only required when dealing with the IRS, your employer, or when applying for a federally insured mortgage.

Do you really understand how your social security number is used? The social security administration was created during the great depression. The Federal Government's intention was to allow Americans to save for our retirement so that we may live in our senior years. Like it or not that was the plan. Over the years, the "social security" number, which was intended to identify your retirement accounts, has become a tool for the government and other private organizations to track us in numerous ways. Although, that was not the original intent of a "Social Security Number", it has become an easy way for different organizations to identify us. For example, you are often asked for your SS # for a new bank account, credit union, or when applying for a drivers license. So why do these organizations insist on requiring your social security number to identify you? Because we allow them to!

The sole purpose of your social security number is for tax and social security use ONLY. The law states that No federal, state, or local government agency may deny you any right,

Privilege or benefit due to your refusal to provide your SS # for any other reason than producing money for retirement account with the Social Security

Administration, the IRS and your employer.

"Some private organizations use Social Security numbers for record keeping purposes. Such use is neither required nor prohibited by Federal Law. So you just do not use your SSN. The use of a person's social security number by such an organization is for its own internal records and they are purely a private matter between the organization and the person." "Any Federal, State, or local government agency that asks for your number must tell you whether giving it is mandatory or voluntary, tell you it's authority for requesting the number, and tell you how the number will be used. What does this mean? The present law does not REQUIRE you to furnish your SS# to private organizations. Credit bureaus are private businesses; therefore you DO NOT have to provide them with your social security number. They can only REQUEST your social security number if it is mandatory and even then you can fight this issue.

. You can fix this problem in a much less expensive way.

Is there anything you can do in order to protect yourself? There is. Quite a bit actually. It's all based on common sense and, while there are no guarantees in life, you will minimize the risk and make the life of an identity thief a lot harder to execute.

Credit Bureaus identification system

1. Name- Last name and first the first 10 digits of the last name, and the first name are compared.

2. Middle initial- if there is a match on the first and last name, the middle initial is most likely used to verify the above.

3. Home Address- Usually just the first 5 digits of the address are used, sometimes a street name is used.

4. Zip codes – addresses and zip codes are compared to match the names file.

5. DOB - further matches are decreased by date of birth

6. SS# the social security number is matched.

7. Previous addresses/residence any prior residences are cross matched to the above information.

Now that you know what they use, let me tell you why it is important to know about it.

The CB's are constantly cross matching files, to get an accurate representation of the person the file belongs to, any and all previous addresses, jobs, or other pertinent information will be entered into your credit file if it matches the criteria above. This prevents you from simply altering your SS# and sending in a new credit application, the CB's will recognize the other criteria, and simply add the new request to your current file. Thus, if you have bad credit, it will be seen. This happens when you change addresses, jobs apply in different states and so on.... If you have bad credit, and you give a new creditor any of the information above it can be cross matched and linked to your credit file. And this is where our system becomes unique, you are not fooling anyone, not lying, with this system you are just avoiding the matches that would normally deny you credit. Understanding how the CB's identify you is the first step, now you know what they look for; let’s now turn our attention on the first step of the program.

Second step:

Get a new telephone number; I suggest you rent a voice mail line for this purpose, as getting a new line in your home would be a match. Use a service in another town/state, or get a cell phone with a new number. Have them bill the line to your new address.

Now you have to make sure the matches and links are all cleared up! Take these steps before filling out any credit applications.

Change the address on your driver's license to an address different than your current address. You will be asked for your address on your DL everywhere you go, remember you are avoiding matches here, you must be thorough! If your Drivers license has your SS# on it. Request that it be changed to a different ID #, the reasons you give can be many, from harassment to simply not wishing to give out your SS# to everyone. Check with your local DMV on their rules concerning changing DL#'s, you should have no problem.

Now in the future if some creditor asks for your DL# it will be different and not tied to your old credit file, alas... a match! If you find you cannot change your DL#, then do not put it down on new credit applications! Only Federal State and Local government agencies can make you divulge your SS#, NO ONE ELSE has that right! It's the LAW.

Remember when you use your CPN you must write the words CPN ID# following the numbers. DO NOT attempt fraud by writing in the CPN as an SS# that is not what we are teaching you! Use the CPN number in place of your SS# but make ABSOLUTELY SURE that you write the words CPN ID# when doing so!

Extra steps to insure you are not matched

Get a new Bank account with the CPN number, do not use your current residence and make sure the account is not in the same zip code as your old one. (Do not pay any old bills with your new bank account that can be matched!)

NOW we have the steps started to getting you a completely brand new credit file outlined. Your service provider will handle most of the work for you. There is little that you will need to do.

When applying for new credit cards or credit lines, use the following...

Name

New Address

New Drivers license #

New Telephone #

DOB

CPN (Credit Privacy Number)

New Bank Reference

What NOT to list:

Previous addresses

Previous Jobs (list home business)

Anything that links you to your old credit file

Previous creditors (even if favorable)

Notice that there is only one thing that would bring a match to your new credit file... Your name!

Notice that there is only one thing that would bring a match to your new credit file... Your name! How many John Smiths are there? Do not worry about the name match, with nothing else to match, there will be no links to your old credit file and you will have started a new one! Your service provider will assist you with this in your package.

Now you may be looking at that and saying "hey. If I can't list anything previously known about me, then how will I qualify for credit? “Well, the truth is it is a BRAND NEW CREDIT FILE, of course there is nothing there that is the point and the goal. Now you have the opportunity to start building the new credit file. We have several suggestions on how to go about this.

To start off your new credit file:

Start off small, gas stations, small rental places, local department stores. Do not rush out and apply for everything in sight! That will show up on your new file and raise eyebrows. Get a secured credit card and charge small purchases, pay

them off MONTHLY. Do not make payments (this builds credit quicker) do not over extend yourself. Make sure you have enough cash to pay off the new credit accounts lest you end up getting stuck in the same cycle all over again. Follow these simple steps and soon you will be on your way to establishing great credit, it may take a while but it is better than waiting 7-10 years for all the negatives to get wiped off of your old file right? SSN’s:

You are only required by law to give your SSN out for the following reasons:

1. Employment

2. Tax Matters

3. To Receive Public Assistance

4. To Obtain a Drivers License

5. To Register A Motor Vehicle

Other groups, agencies, companies and individuals that ask for your SSN have absolutely no legal right to do so. The 1974 Privacy Act protects you and your privacy! You can legally refuse to disclose your SSN for any purpose other than those specified above.

AVOID CONTAMINATING YOUR NEW FILE

When you apply for credit, be absolutely sure NOT to use any of your old identifying information. This includes, but is not limited to, your old mailing address, phone numbers, employers, relatives, etc. Never give any identifying information to a creditor that has ever been used before.

A good idea is not to apply for credit with any bank with which you have had credit once before. Again this could lead back and link your old file with your new one. DO NOT use your SSN on ANY credit applications. Use your new credit privacy number, (Your CPN ID#).

DO NOT use any bank, savings and loan, credit union or other financial institution, which you have used before creating your second credit file. They will have your old information on file, and could cross link it with your new information causing your files to merge.

When using your phone number it is best to make sure it is a voice mail number or a number that is in your name (listed or unlisted) and attached to your NEW identifying address information. Sometimes the credit bureaus will cross reference a phone number to see whose name it is in. If the number you give is attached to your old id information I could very easily, with a few keystrokes, merge the new and old credit file information together in one place.

DO NOT ever give out your spouse’s name or former spouse’s name on any credit applications. Again this is old id information that can potentially harm your brand new credit file.

DO NOT ever give out your new CPN# to any service companies like phone companies, cable companies, hospitals, dentists, doctors, insurance companies, multi-level marketing companies, catalog houses or shopping networks, etc. Unless it is used with your new information. When you give your new CPN# to these people it is NOT in the most confidential of hands. With many of these organizations they do NOT really need your CPN# unless they are extending you credit. The law even says you are NOT required to provide it to them. These people can use some other number to identify your account. If they really want your business, they will do just that.

YOUR LEGAL CREDIT AND CONSUMER RIGHTS

Title 5 of the United States Code Annotated 552(a) known as the Privacy Act, ruled in part that: “The right to privacy is a personal right designated to protect persons from the unwanted disclosure of personal information.” – CAN Financial Corp vs. Local 743, D.D., I11, 1981 15F. Sup. 943, I11.

(A)(1) “It shall be unlawful to deny any individual any right, benefit, or privilege provided by law because of such individuals’ refusal to disclose his or her social security account number”.

Pub. L 93-579: (B) “Any Federal, State, or Local Government Agency which requests an individual to disclose their Social Security Account Number shall inform that individual whether the disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it.”

The Equal Credit Opportunity Act (ECOA) prohibits creditors from denying you a loan based on reasons that have nothing to do with your credit-worthiness.

IS THIS REALLY LEGAL? The answer is, yes it is.

There is no law that says that a consumer cannot secure one or more nine digit

tax id numbers for their own usage. In addition, there are no laws that say that a consumer cannot develop or obtain the additional supporting criteria and or pay for services to apply for and obtain credit as long as it is not done with the willful intent to defraud creditors or credit agencies. The legality of creating a new credit file for both personal credit or business credit has always been based primarily on the fact that there is NO INTENT to DEFRAUD creditors and or credit agencies with untrue misrepresentations. It is the strong belief of many legal and financial professionals in the field, that this can actually be done legally as long as no fraud is intended by the service providers of such services, nor their clients (intent to defraud is the key word) here, so be careful. .

Our big consumer secret is to never blatantly lie on a credit application. Lying on a credit application is illegal under the Truth in Lending Act. However, if a consumer fills out a credit app providing all new and truthful id information (i.e. address and phone number, etc.) and chooses to use a 9 digit ID in place of his SSN for privacy reasons (and makes it known by drawing a line through the SSN) and a new credit file is created for that person, he or she has not lied on any application and therefore the consumer has not directly or willfully violated the laws of the Truth In Lending Act in any way.

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Change the address on your driver's license to an address different than your current address. You will be asked for your address on your DL everywhere you go, remember you are avoiding matches here, you must be thorough!

This is about as far as I got before I got tired of reading.

:arrow: Warning, if the address on your drivers license doesn't match your correct address, you are breaking the law in all 50 states.

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This is another scam. The flaw here? If you open a bank account, you are REQUIRED to provide an SSN by law. What the article is suggesting is fraud. Similar to the old scam of getting an EIN.

The clue that this is not from a reputable outlet?

How to Set Up & Use

You’re “Credit Privacy Number”

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I agree with divemedic. That is just tooooooooooo much CRAP to go thru. And just tooooooooooo much trouble. All the NEW info and and hiding crap.

An even bigger headache. I pass! With 3 kids, I would incriminate myself in no time. No jail time for mexrulesx

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“CPN” (Credit Privacy Number) How to Set Up & Use You’re “Credit Privacy Number” Presently, federal law allows the ability for someone to legally use a Credit Privacy Number instead of a Social Security Number. Title 5, Section 7 of Publication Law 93-579 of Government Organization and Employees Act:

Wait a second. We must NOT be so quick to dismiss this valuable information.

I will admit that this may appear to be a lot of "trouble" to go through.

But hey, I aslo consider this Credit Repair thing a lot of "trouble" only because they NEVER follow the law. However, we could use this Information against Bankers and other Creditors the same way we use Credit Repair to collect money from the CRAs and CAs who violate the law whether or not the debt is owed.

THE PRIVACY ACT authorizes your right to deny your SS Number to anyone if requested for any reason other than to receive Public Assistance or Pay Taxes and Receive Refunds. In addition, this Act provides for you to obtain Actual Damages for no less than the sum of $1,000 plus the costs of the Action, and Attorney Fees from anyone refusing to serve you.

Where you "attempt" to Open a Bank Account or Credit Card without using your SSA number, you will most likely be DENIED Service because they never follow the law. I think this is another great opportunity to collect some money and pay down old debts. What have we got to lose, except the old debts that we are continuously Disputing and/or trying to Pay Off? :smile:

Best Regards,

June

"Permit Me To Issue And Control The Money Of A Nation, And I Care Not Who Makes Its Laws"

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Wait a second. We must NOT be so quick to dismiss this valuable information.

I will admit that this may appear to be a lot of "trouble" to go through.

But hey, I aslo consider this Credit Repair thing a lot of "trouble" only because they NEVER follow the law. However, we could use this Information against Bankers and other Creditors the same way we use Credit Repair to collect money from the CRAs and CAs who violate the law whether or not the debt is owed.

THE PRIVACY ACT authorizes your right to deny your SS Number to anyone if requested for any reason other than to receive Public Assistance or Pay Taxes and Receive Refunds. In addition, this Act provides for you to obtain Actual Damages for no less than the sum of $1,000 plus the costs of the Action, and Attorney Fees from anyone refusing to serve you.

Where you "attempt" to Open a Bank Account or Credit Card without using your SSA number, you will most likely be DENIED Service because they never follow the law. I think this is another great opportunity to collect some money and pay down old debts. What have we got to lose, except the old debts that we are continuously Disputing and/or trying to Pay Off? :smile:

Best Regards,

June

"Permit Me To Issue And Control The Money Of A Nation, And I Care Not Who Makes Its Laws"

I'm new at the credit repair thing but you made a very interesting point. Since I'm a newbie I don't know very much about the law regarding credit. My point is I have a business and I wouldn't want to do anything unlawful. I also have a family that I wouldn't want to be away from for something as simple as trying to separate my credit file. So it does sound okay but I don't know. let's see what the others think.

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so, you are filling out the bank account application and you come to the CPN field...oops! There isn't one! But there is an SSN field. Now, they might be "teaching" that you use this field and write CPN # on it somewhere. Major problems:

1. SSN verification - SSN Numbers have a checksum value in them - not all numbers are valid. Most values, actually are not valid. As a result, if your CPN number is not in a valid range, it won't even enter into the system

2. Mixed files - if your CPN is a valid number, better hope it's someone whose credit you want! Because your files will be likely to get mixed on a frequent basis

3. It will never work for major purchases

4. Most people will end up mixing your credit files anyway. Then you have a credit file that not only has your baddies on it, but also looks like you are a true shmuck by having two SSN's on the file (note: the CRA's also don't have the CPN field).

5. If you succeed to get financed with a CPN, be careful, as most of your consumer rights may be a risk. In the case of bankruptcy, the creditors will learn that you were a higher credit risk when you received credit and I bet they can get your debt excluded from the BK

Suggesting this is highly irresponsible and will only lead to heartache.

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I'm new at the credit repair thing but you made a very interesting point. Since I'm a newbie I don't know very much about the law regarding credit. My point is I have a business and I wouldn't want to do anything unlawful. I also have a family that I wouldn't want to be away from for something as simple as trying to separate my credit file. So it does sound okay but I don't know. let's see what the others think.

Lazymae, I think that you are missing my point. "Attempt" to open an Account (fill in the Application leaving the SS Number blank) and when you are DENIED Service or a Bank Account without it, you may sue for no less than $1,000 in Federal Court pursuant to Title 5 USC 552a(g)(1)(D). Nothing illegal or unlawful about it. Sounds like a slam dunk to me! :-)

Best Regards,

June

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“CPN”

(Credit Privacy Number)

How to Set Up & Use

You’re “Credit Privacy Number”

Presently, federal law allows the ability for someone to legally use a Credit Privacy Number instead of a Social Security Number. Title 5, Section 7 of Publication Law 93-579 of Government Organization and Employees Act: (a) (1) It shall be unlawful for any Federal, State or Local Government Agency to deny any individual any right, benefit, or privilege provided by law because of such individual's refusal to disclose his or hers Social Security Account Number. What this means is Federal Law protects those who do not wish to disclose their personal information (SS#) except where required to do so. Disclosure of your social security number is only required when dealing with the IRS, your employer, or when applying for a federally insured mortgage.

Do you really understand how your social security number is used? The social security administration was created during the great depression. The Federal Government's intention was to allow Americans to save for our retirement so that we may live in our senior years. Like it or not that was the plan. Over the years, the "social security" number, which was intended to identify your retirement accounts, has become a tool for the government and other private organizations to track us in numerous ways. Although, that was not the original intent of a "Social Security Number", it has become an easy way for different organizations to identify us. For example, you are often asked for your SS # for a new bank account, credit union, or when applying for a drivers license. So why do these organizations insist on requiring your social security number to identify you? Because we allow them to!

The sole purpose of your social security number is for tax and social security use ONLY. The law states that No federal, state, or local government agency may deny you any right,

Privilege or benefit due to your refusal to provide your SS # for any other reason than producing money for retirement account with the Social Security

Administration, the IRS and your employer.

"Some private organizations use Social Security numbers for record keeping purposes. Such use is neither required nor prohibited by Federal Law. So you just do not use your SSN. The use of a person's social security number by such an organization is for its own internal records and they are purely a private matter between the organization and the person." "Any Federal, State, or local government agency that asks for your number must tell you whether giving it is mandatory or voluntary, tell you it's authority for requesting the number, and tell you how the number will be used. What does this mean? The present law does not REQUIRE you to furnish your SS# to private organizations. Credit bureaus are private businesses; therefore you DO NOT have to provide them with your social security number. They can only REQUEST your social security number if it is mandatory and even then you can fight this issue.

. You can fix this problem in a much less expensive way.

Is there anything you can do in order to protect yourself? There is. Quite a bit actually. It's all based on common sense and, while there are no guarantees in life, you will minimize the risk and make the life of an identity thief a lot harder to execute.

Credit Bureaus identification system

1. Name- Last name and first the first 10 digits of the last name, and the first name are compared.

2. Middle initial- if there is a match on the first and last name, the middle initial is most likely used to verify the above.

3. Home Address- Usually just the first 5 digits of the address are used, sometimes a street name is used.

4. Zip codes – addresses and zip codes are compared to match the names file.

5. DOB - further matches are decreased by date of birth

6. SS# the social security number is matched.

7. Previous addresses/residence any prior residences are cross matched to the above information.

Now that you know what they use, let me tell you why it is important to know about it.

The CB's are constantly cross matching files, to get an accurate representation of the person the file belongs to, any and all previous addresses, jobs, or other pertinent information will be entered into your credit file if it matches the criteria above. This prevents you from simply altering your SS# and sending in a new credit application, the CB's will recognize the other criteria, and simply add the new request to your current file. Thus, if you have bad credit, it will be seen. This happens when you change addresses, jobs apply in different states and so on.... If you have bad credit, and you give a new creditor any of the information above it can be cross matched and linked to your credit file. And this is where our system becomes unique, you are not fooling anyone, not lying, with this system you are just avoiding the matches that would normally deny you credit. Understanding how the CB's identify you is the first step, now you know what they look for; let’s now turn our attention on the first step of the program.

Second step:

Get a new telephone number; I suggest you rent a voice mail line for this purpose, as getting a new line in your home would be a match. Use a service in another town/state, or get a cell phone with a new number. Have them bill the line to your new address.

Now you have to make sure the matches and links are all cleared up! Take these steps before filling out any credit applications.

Change the address on your driver's license to an address different than your current address. You will be asked for your address on your DL everywhere you go, remember you are avoiding matches here, you must be thorough! If your Drivers license has your SS# on it. Request that it be changed to a different ID #, the reasons you give can be many, from harassment to simply not wishing to give out your SS# to everyone. Check with your local DMV on their rules concerning changing DL#'s, you should have no problem.

Now in the future if some creditor asks for your DL# it will be different and not tied to your old credit file, alas... a match! If you find you cannot change your DL#, then do not put it down on new credit applications! Only Federal State and Local government agencies can make you divulge your SS#, NO ONE ELSE has that right! It's the LAW.

Remember when you use your CPN you must write the words CPN ID# following the numbers. DO NOT attempt fraud by writing in the CPN as an SS# that is not what we are teaching you! Use the CPN number in place of your SS# but make ABSOLUTELY SURE that you write the words CPN ID# when doing so!

Extra steps to insure you are not matched

Get a new Bank account with the CPN number, do not use your current residence and make sure the account is not in the same zip code as your old one. (Do not pay any old bills with your new bank account that can be matched!)

NOW we have the steps started to getting you a completely brand new credit file outlined. Your service provider will handle most of the work for you. There is little that you will need to do.

When applying for new credit cards or credit lines, use the following...

Name

New Address

New Drivers license #

New Telephone #

DOB

CPN (Credit Privacy Number)

New Bank Reference

What NOT to list:

Previous addresses

Previous Jobs (list home business)

Anything that links you to your old credit file

Previous creditors (even if favorable)

Notice that there is only one thing that would bring a match to your new credit file... Your name!

Notice that there is only one thing that would bring a match to your new credit file... Your name! How many John Smiths are there? Do not worry about the name match, with nothing else to match, there will be no links to your old credit file and you will have started a new one! Your service provider will assist you with this in your package.

Now you may be looking at that and saying "hey. If I can't list anything previously known about me, then how will I qualify for credit? “Well, the truth is it is a BRAND NEW CREDIT FILE, of course there is nothing there that is the point and the goal. Now you have the opportunity to start building the new credit file. We have several suggestions on how to go about this.

To start off your new credit file:

Start off small, gas stations, small rental places, local department stores. Do not rush out and apply for everything in sight! That will show up on your new file and raise eyebrows. Get a secured credit card and charge small purchases, pay

them off MONTHLY. Do not make payments (this builds credit quicker) do not over extend yourself. Make sure you have enough cash to pay off the new credit accounts lest you end up getting stuck in the same cycle all over again. Follow these simple steps and soon you will be on your way to establishing great credit, it may take a while but it is better than waiting 7-10 years for all the negatives to get wiped off of your old file right? SSN’s:

You are only required by law to give your SSN out for the following reasons:

1. Employment

2. Tax Matters

3. To Receive Public Assistance

4. To Obtain a Drivers License

5. To Register A Motor Vehicle

Other groups, agencies, companies and individuals that ask for your SSN have absolutely no legal right to do so. The 1974 Privacy Act protects you and your privacy! You can legally refuse to disclose your SSN for any purpose other than those specified above.

AVOID CONTAMINATING YOUR NEW FILE

When you apply for credit, be absolutely sure NOT to use any of your old identifying information. This includes, but is not limited to, your old mailing address, phone numbers, employers, relatives, etc. Never give any identifying information to a creditor that has ever been used before.

A good idea is not to apply for credit with any bank with which you have had credit once before. Again this could lead back and link your old file with your new one. DO NOT use your SSN on ANY credit applications. Use your new credit privacy number, (Your CPN ID#).

DO NOT use any bank, savings and loan, credit union or other financial institution, which you have used before creating your second credit file. They will have your old information on file, and could cross link it with your new information causing your files to merge.

When using your phone number it is best to make sure it is a voice mail number or a number that is in your name (listed or unlisted) and attached to your NEW identifying address information. Sometimes the credit bureaus will cross reference a phone number to see whose name it is in. If the number you give is attached to your old id information I could very easily, with a few keystrokes, merge the new and old credit file information together in one place.

DO NOT ever give out your spouse’s name or former spouse’s name on any credit applications. Again this is old id information that can potentially harm your brand new credit file.

DO NOT ever give out your new CPN# to any service companies like phone companies, cable companies, hospitals, dentists, doctors, insurance companies, multi-level marketing companies, catalog houses or shopping networks, etc. Unless it is used with your new information. When you give your new CPN# to these people it is NOT in the most confidential of hands. With many of these organizations they do NOT really need your CPN# unless they are extending you credit. The law even says you are NOT required to provide it to them. These people can use some other number to identify your account. If they really want your business, they will do just that.

YOUR LEGAL CREDIT AND CONSUMER RIGHTS

Title 5 of the United States Code Annotated 552(a) known as the Privacy Act, ruled in part that: “The right to privacy is a personal right designated to protect persons from the unwanted disclosure of personal information.” – CAN Financial Corp vs. Local 743, D.D., I11, 1981 15F. Sup. 943, I11.

(A)(1) “It shall be unlawful to deny any individual any right, benefit, or privilege provided by law because of such individuals’ refusal to disclose his or her social security account number”.

Pub. L 93-579: (B) “Any Federal, State, or Local Government Agency which requests an individual to disclose their Social Security Account Number shall inform that individual whether the disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it.”

The Equal Credit Opportunity Act (ECOA) prohibits creditors from denying you a loan based on reasons that have nothing to do with your credit-worthiness.

IS THIS REALLY LEGAL? The answer is, yes it is.

There is no law that says that a consumer cannot secure one or more nine digit

tax id numbers for their own usage. In addition, there are no laws that say that a consumer cannot develop or obtain the additional supporting criteria and or pay for services to apply for and obtain credit as long as it is not done with the willful intent to defraud creditors or credit agencies. The legality of creating a new credit file for both personal credit or business credit has always been based primarily on the fact that there is NO INTENT to DEFRAUD creditors and or credit agencies with untrue misrepresentations. It is the strong belief of many legal and financial professionals in the field, that this can actually be done legally as long as no fraud is intended by the service providers of such services, nor their clients (intent to defraud is the key word) here, so be careful. .

Our big consumer secret is to never blatantly lie on a credit application. Lying on a credit application is illegal under the Truth in Lending Act. However, if a consumer fills out a credit app providing all new and truthful id information (i.e. address and phone number, etc.) and chooses to use a 9 digit ID in place of his SSN for privacy reasons (and makes it known by drawing a line through the SSN) and a new credit file is created for that person, he or she has not lied on any application and therefore the consumer has not directly or willfully violated the laws of the Truth In Lending Act in any way.

if you draw a line thru your ss card, how is that telling a creditor not to pull your credit app? And you do have to sign the credit app. Please explain how that would work. Better yet, have you done this?:confused:

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Lazymae, I think that you are missing my point. "Attempt" to open an Account (fill in the Application leaving the SS Number blank) and when you are DENIED Service or a Bank Account without it, you may sue for no less than $1,000 in Federal Court pursuant to Title 5 USC 552a(g)(1)(D). Nothing illegal or unlawful about it. Sounds like a slam dunk to me! :-)

Best Regards,

June

oh okay! yes, it sounds like a winner! I need to read up on this as well because I'm sure it's a stipulation somewhere. Because if it's that simple EVERYONE will soon try it and they (creditors) will catch on. too good to be true. lawful or not;)

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If "pay taxes" is one of the circumstances where you must provide your SSN, then doesn't it make sense that you must provide it to a bank? If the bank pays you interest, it has to report that to the IRS.

Not where I "attempt" to open a Non-Interest Bearing Checking Account.

The bank does not require my SS Number for that because there is no Interest to Report to the I-R and S. And when the Banks refuse, which they will... Chang! Chang! $1,000.00 from each, pursuant to clear and precise federal law. 8-)

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I'm amazed that this is actually a serious conversation! What silliness - you are not required to give your social security number, but they are not required to conduct business with you if refuse. Reread the OP. It states that government entities cannot require the SSN. It says nothing about banks.

Can you sue? Sure! Enjoy! Lawyer up and take it to the max. I'm thinking the lawyer won't take this one on contingency :lol:

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oh okay! yes, it sounds like a winner! I need to read up on this as well because I'm sure it's a stipulation somewhere. Because if it's that simple EVERYONE will soon try it and they (creditors) will catch on. too good to be true. lawful or not;)

Sure The Privacy Act is a winner! Read the Act. There are no stipulations such as up to $1000. The law clearly states in no case less than a $1,000. Where one can prove more damages, then he/she would be entitled to Actual Damages. It's that simple unlike the FCRA and the FDCPA. The Creditors are not worried that EVERYONE will soon try it because not EVERYONE is suing under the FCRA and FDCPA, which is one of the purposes for this Board.

I hereby rest my case!!! xdancex Again.

Best Regards,

June

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I'm amazed that this is actually a serious conversation! What silliness - you are not required to give your social security number, but they are not required to conduct business with you if refuse. Reread the OP. It states that government entities cannot require the SSN. It says nothing about banks.

Can you sue? Sure! Enjoy! Lawyer up and take it to the max. I'm thinking the lawyer won't take this one on contingency :lol:

So the law is silly? Huh? You should READ THE PRIVACY ACT, banks are defined as Agencies which maintain records of Financial Transactions. Therefore, they are included.

I would not need a lawyer for federal court. For $1,000 bucks I would do it alone. Besides, the federal judge will not allow such to go to Trial because there is something called Case Management and Summary Judgment. Thank you very much.

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This is such child's play! OK, here is the referrenced statute: Title 5 USC 552a(g)(1)(D)......hmmmm.....let's see, who now is going to be dishing out the $1,000 on a first-come, first-serve basis?

(2)(A) In any suit brought under the provisions of subsection (g)(1)(A) of this section, the court may order the agency to amend the individual's record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.

(B) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.

Why looky there! It's the good ole US of A that is going to be paying out the cash. Now, why would the US be paying for a violation committed by a bank? It wouldn't - because a bank is not an agency. that's silly.

Read the statute. No where are there remedies referred to without them being directed against the US government. this has nothing to do with commercial enterprises! this has to do with the US government and its agencies.

Sometimes sueing is discussed on this board like it's a walk in the park, like Federal Court is a place for children to play a game of "gotcha!" The very idea of sueing in federal court on some whimsicle theory over a measly $1K to me is ludicrous.

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Now, digging a bit deeper, anyone who gains financially as a result of helping someone improve their access to credit by obtaining a new credit file is breaking federal law. I guess here would be a better place to insert the old faithful ka-ching! It's not the bank that gets sued by the enlightened members of the Credit InfoCenter. Instead, it's the credit repair organization that turns a buck advising consumers on the process by which a new credit file can be created. Under Section 404 of the CROA (Prohibited Practices)

(2) make any statement, or counsel or advise any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and not obsolete to--

So, this is really a dead end. The people promoting this idea for profit are breaking federal law and I'm sure you will get a confirmation of as much by calling the FTC tomorrow.

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“CPN”

(Credit Privacy Number)

How to Set Up & Use

You’re “Credit Privacy Number”

Presently, federal law allows the ability for someone to legally use a Credit Privacy Number instead of a Social Security Number. Title 5, Section 7 of Publication Law 93-579 of Government Organization and Employees Act: (a) (1) It shall be unlawful for any Federal, State or Local Government Agency to deny any individual any right, benefit, or privilege provided by law because of such individual's refusal to disclose his or hers Social Security Account Number. What this means is Federal Law protects those who do not wish to disclose their personal information (SS#) except where required to do so. Disclosure of your social security number is only required when dealing with the IRS, your employer, or when applying for a federally insured mortgage.

Do you really understand how your social security number is used? The social security administration was created during the great depression. The Federal Government's intention was to allow Americans to save for our retirement so that we may live in our senior years. Like it or not that was the plan. Over the years, the "social security" number, which was intended to identify your retirement accounts, has become a tool for the government and other private organizations to track us in numerous ways. Although, that was not the original intent of a "Social Security Number", it has become an easy way for different organizations to identify us. For example, you are often asked for your SS # for a new bank account, credit union, or when applying for a drivers license. So why do these organizations insist on requiring your social security number to identify you? Because we allow them to!

The sole purpose of your social security number is for tax and social security use ONLY. The law states that No federal, state, or local government agency may deny you any right,

Privilege or benefit due to your refusal to provide your SS # for any other reason than producing money for retirement account with the Social Security

Administration, the IRS and your employer.

"Some private organizations use Social Security numbers for record keeping purposes. Such use is neither required nor prohibited by Federal Law. So you just do not use your SSN. The use of a person's social security number by such an organization is for its own internal records and they are purely a private matter between the organization and the person." "Any Federal, State, or local government agency that asks for your number must tell you whether giving it is mandatory or voluntary, tell you it's authority for requesting the number, and tell you how the number will be used. What does this mean? The present law does not REQUIRE you to furnish your SS# to private organizations. Credit bureaus are private businesses; therefore you DO NOT have to provide them with your social security number. They can only REQUEST your social security number if it is mandatory and even then you can fight this issue.

. You can fix this problem in a much less expensive way.

Is there anything you can do in order to protect yourself? There is. Quite a bit actually. It's all based on common sense and, while there are no guarantees in life, you will minimize the risk and make the life of an identity thief a lot harder to execute.

Credit Bureaus identification system

1. Name- Last name and first the first 10 digits of the last name, and the first name are compared.

2. Middle initial- if there is a match on the first and last name, the middle initial is most likely used to verify the above.

3. Home Address- Usually just the first 5 digits of the address are used, sometimes a street name is used.

4. Zip codes – addresses and zip codes are compared to match the names file.

5. DOB - further matches are decreased by date of birth

6. SS# the social security number is matched.

7. Previous addresses/residence any prior residences are cross matched to the above information.

Now that you know what they use, let me tell you why it is important to know about it.

The CB's are constantly cross matching files, to get an accurate representation of the person the file belongs to, any and all previous addresses, jobs, or other pertinent information will be entered into your credit file if it matches the criteria above. This prevents you from simply altering your SS# and sending in a new credit application, the CB's will recognize the other criteria, and simply add the new request to your current file. Thus, if you have bad credit, it will be seen. This happens when you change addresses, jobs apply in different states and so on.... If you have bad credit, and you give a new creditor any of the information above it can be cross matched and linked to your credit file. And this is where our system becomes unique, you are not fooling anyone, not lying, with this system you are just avoiding the matches that would normally deny you credit. Understanding how the CB's identify you is the first step, now you know what they look for; let’s now turn our attention on the first step of the program.

Second step:

Get a new telephone number; I suggest you rent a voice mail line for this purpose, as getting a new line in your home would be a match. Use a service in another town/state, or get a cell phone with a new number. Have them bill the line to your new address.

Now you have to make sure the matches and links are all cleared up! Take these steps before filling out any credit applications.

Change the address on your driver's license to an address different than your current address. You will be asked for your address on your DL everywhere you go, remember you are avoiding matches here, you must be thorough! If your Drivers license has your SS# on it. Request that it be changed to a different ID #, the reasons you give can be many, from harassment to simply not wishing to give out your SS# to everyone. Check with your local DMV on their rules concerning changing DL#'s, you should have no problem.

Now in the future if some creditor asks for your DL# it will be different and not tied to your old credit file, alas... a match! If you find you cannot change your DL#, then do not put it down on new credit applications! Only Federal State and Local government agencies can make you divulge your SS#, NO ONE ELSE has that right! It's the LAW.

Remember when you use your CPN you must write the words CPN ID# following the numbers. DO NOT attempt fraud by writing in the CPN as an SS# that is not what we are teaching you! Use the CPN number in place of your SS# but make ABSOLUTELY SURE that you write the words CPN ID# when doing so!

Extra steps to insure you are not matched

Get a new Bank account with the CPN number, do not use your current residence and make sure the account is not in the same zip code as your old one. (Do not pay any old bills with your new bank account that can be matched!)

NOW we have the steps started to getting you a completely brand new credit file outlined. Your service provider will handle most of the work for you. There is little that you will need to do.

When applying for new credit cards or credit lines, use the following...

Name

New Address

New Drivers license #

New Telephone #

DOB

CPN (Credit Privacy Number)

New Bank Reference

What NOT to list:

Previous addresses

Previous Jobs (list home business)

Anything that links you to your old credit file

Previous creditors (even if favorable)

Notice that there is only one thing that would bring a match to your new credit file... Your name!

Notice that there is only one thing that would bring a match to your new credit file... Your name! How many John Smiths are there? Do not worry about the name match, with nothing else to match, there will be no links to your old credit file and you will have started a new one! Your service provider will assist you with this in your package.

Now you may be looking at that and saying "hey. If I can't list anything previously known about me, then how will I qualify for credit? “Well, the truth is it is a BRAND NEW CREDIT FILE, of course there is nothing there that is the point and the goal. Now you have the opportunity to start building the new credit file. We have several suggestions on how to go about this.

To start off your new credit file:

Start off small, gas stations, small rental places, local department stores. Do not rush out and apply for everything in sight! That will show up on your new file and raise eyebrows. Get a secured credit card and charge small purchases, pay

them off MONTHLY. Do not make payments (this builds credit quicker) do not over extend yourself. Make sure you have enough cash to pay off the new credit accounts lest you end up getting stuck in the same cycle all over again. Follow these simple steps and soon you will be on your way to establishing great credit, it may take a while but it is better than waiting 7-10 years for all the negatives to get wiped off of your old file right? SSN’s:

You are only required by law to give your SSN out for the following reasons:

1. Employment

2. Tax Matters

3. To Receive Public Assistance

4. To Obtain a Drivers License

5. To Register A Motor Vehicle

Other groups, agencies, companies and individuals that ask for your SSN have absolutely no legal right to do so. The 1974 Privacy Act protects you and your privacy! You can legally refuse to disclose your SSN for any purpose other than those specified above.

AVOID CONTAMINATING YOUR NEW FILE

When you apply for credit, be absolutely sure NOT to use any of your old identifying information. This includes, but is not limited to, your old mailing address, phone numbers, employers, relatives, etc. Never give any identifying information to a creditor that has ever been used before.

A good idea is not to apply for credit with any bank with which you have had credit once before. Again this could lead back and link your old file with your new one. DO NOT use your SSN on ANY credit applications. Use your new credit privacy number, (Your CPN ID#).

DO NOT use any bank, savings and loan, credit union or other financial institution, which you have used before creating your second credit file. They will have your old information on file, and could cross link it with your new information causing your files to merge.

When using your phone number it is best to make sure it is a voice mail number or a number that is in your name (listed or unlisted) and attached to your NEW identifying address information. Sometimes the credit bureaus will cross reference a phone number to see whose name it is in. If the number you give is attached to your old id information I could very easily, with a few keystrokes, merge the new and old credit file information together in one place.

DO NOT ever give out your spouse’s name or former spouse’s name on any credit applications. Again this is old id information that can potentially harm your brand new credit file.

DO NOT ever give out your new CPN# to any service companies like phone companies, cable companies, hospitals, dentists, doctors, insurance companies, multi-level marketing companies, catalog houses or shopping networks, etc. Unless it is used with your new information. When you give your new CPN# to these people it is NOT in the most confidential of hands. With many of these organizations they do NOT really need your CPN# unless they are extending you credit. The law even says you are NOT required to provide it to them. These people can use some other number to identify your account. If they really want your business, they will do just that.

YOUR LEGAL CREDIT AND CONSUMER RIGHTS

Title 5 of the United States Code Annotated 552(a) known as the Privacy Act, ruled in part that: “The right to privacy is a personal right designated to protect persons from the unwanted disclosure of personal information.” – CAN Financial Corp vs. Local 743, D.D., I11, 1981 15F. Sup. 943, I11.

(A)(1) “It shall be unlawful to deny any individual any right, benefit, or privilege provided by law because of such individuals’ refusal to disclose his or her social security account number”.

Pub. L 93-579: (B) “Any Federal, State, or Local Government Agency which requests an individual to disclose their Social Security Account Number shall inform that individual whether the disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it.”

The Equal Credit Opportunity Act (ECOA) prohibits creditors from denying you a loan based on reasons that have nothing to do with your credit-worthiness.

IS THIS REALLY LEGAL? The answer is, yes it is.

There is no law that says that a consumer cannot secure one or more nine digit

tax id numbers for their own usage. In addition, there are no laws that say that a consumer cannot develop or obtain the additional supporting criteria and or pay for services to apply for and obtain credit as long as it is not done with the willful intent to defraud creditors or credit agencies. The legality of creating a new credit file for both personal credit or business credit has always been based primarily on the fact that there is NO INTENT to DEFRAUD creditors and or credit agencies with untrue misrepresentations. It is the strong belief of many legal and financial professionals in the field, that this can actually be done legally as long as no fraud is intended by the service providers of such services, nor their clients (intent to defraud is the key word) here, so be careful. .

Our big consumer secret is to never blatantly lie on a credit application. Lying on a credit application is illegal under the Truth in Lending Act. However, if a consumer fills out a credit app providing all new and truthful id information (i.e. address and phone number, etc.) and chooses to use a 9 digit ID in place of his SSN for privacy reasons (and makes it known by drawing a line through the SSN) and a new credit file is created for that person, he or she has not lied on any application and therefore the consumer has not directly or willfully violated the laws of the Truth In Lending Act in any way.

This sounds like a good thing to try, but the thing is you will have to submit your old information if you are filing a income tax, I don't think there is no way around that. And when it comes to getting that refund check you will tell the right information. Another then is that I have a few baddies on my CR but I also have alot of good credit. I wouldn't want to lose all of that good credit.

Sjcraw

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