A “CPN,” or “credit privacy number,” is a 9-digit number that is sometimes marketed as a way to improve a person’s credit score. However, the use of CPNs is illegal and could result in serious financial and legal consequences.
It is illegal to make, buy, or use a CPN, and doing so can result in serious financial and legal consequences. It is important to understand that a CPN is not a legitimate way to improve your credit score and should not be used.
Here are Some Reasons Why it’s Illegal
- CPNs are sometimes marketed as a way to improve a person’s credit score, however, it is a form of identity theft.
- Use of CPNs is illegal, and anyone who uses a CPN to apply for credit or a loan is committing fraud.
- Use of CPNs can result in serious financial and legal consequences, including fines and imprisonment.
- Creating a CPN using false information can also harm your credit score and financial standing.
Instead of using a CPN, here are some legal steps you can take to improve your credit score:
- Pay your bills on time
- Keep your credit utilization low
- Review your credit report and correct any errors
- speak to a credit counselor for guidance on how to improve your credit score.
It’s important to note that there are no legal ways to make or acquire a CPN, any offers or methods to acquire one are illegal. I strongly advise you not to take any steps in that direction as it can lead to legal and financial issues.
How To Make a CPN Step By Step
Step 1
- First, choose a number from this website. http://stevemorse.org/ssn/ssn.html
- In the first section, generate the first 3 digits from “SSN starting with.” Once done, then pick your state.
Then it will show all the data as per the above SSN information.
Step 2
- Now in Five-Digit decoder, 1st select 3 digit from the list of “SSN starting with” Range (001 to 999)
- Now go to the second option to choose a 2-digit range (01 to 99).
- It will look like this: CPN 554-89-XXXX.
Step 3
- In this process, we note down the CPN number.
- Type the CPN number, which will be as follows: xxx-xx-xxxx.
Step 4
Visit website: https://www.ssnvalidator.com/index.aspx
Step 5
In this last step, verify the generated CPN number after entering four digits and verify its availability. After that, the CPN number process is done and verified.
Three Digit Assignment Chart
0xx, 1xx | 2xx, 3xx | 4xx | 5xx | 5xx | 6xx | 7xx, 8xx, 9xx |
001 – 003 NH | 212 – 220 MD | 400 – 407 KY | 501 – 502 ND | 540 – 544 OR | 600 – 601 AZ | 700 – 728 RR* |
004 – 007 ME | 221 – 222 DE | 408 – 415 TN | 503 – 504 SD | 545 – 573 CA | 602 – 626 CA | 729 – 733 EE* |
008 – 009 VT | 223 – 231 VA | 416 – 424 AL | 505 – 508 NE | 574 – 574 AK | 627 – 645 TX | 734 – 749 XX* |
010 – 034 MA | 232 – 232 NW* | 425 – 428 MS | 509 – 515 KS | 575 – 576 HI | 646 – 647 UT | 750 – 751 HI |
035 – 039 RI | 233 – 236 WV | 429 – 432 AR | 516 – 517 MT | 577 – 579 DC | 648 – 649 NM | 752 – 755 MS |
040 – 049 CT | 237 – 246 NC* | 433 – 439 LA | 518 – 519 ID | 580 – 580 PV* | 650 – 653 CO | 756 – 763 TN |
050 – 134 NY | 247 – 251 SC | 440 – 448 OK | 520 – 520 WY | 581 – 584 PR | 654 – 658 SC | 764 – 765 AZ |
135 – 158 NJ | 252 – 260 GA | 449 – 467 TX | 521 – 524 CO | 585 – 585 NM | 659 – 665 LA | 766 – 772 FL |
159 – 211 PA | 261 – 267 FL | 468 – 477 MN | 525 – 525 NM | 586 – 586 PI* | 666 – 666 XX* | 773 – 799 XX* |
268 – 302 OH | 478 – 485 IA | 526 – 527 AZ | 587 – 588 MS | 667 – 675 GA | 800 – 899 YY* | |
303 – 317 IN | 486 – 500 MO | 528 – 529 UT | 589 – 595 FL | 676 – 679 AR | 900 – 999 ITIN* | |
318 – 361 IL | 530 – 530 NV | 596 – 599 PR | 680 – 680 NV | |||
362 – 386 MI | 531 – 539 WA | 681-690 NC | ||||
387 – 399 WI | 691-699 VA |
- NW: North Carolina West Virginia
- NC: North Carolina
- PV: Puerto Rico, Virgin Islands
- PI: Pacific Islands
- RR: Railroad Workers
- EE: Enumeration at Entry
- ITIN: Individual Taxpayer Identification Number
- XX: Unassigned
- YY: Not valid
Limitations:
- You cannot use this number to file taxes.
- It cannot use to apply for government assistance.
- It can not to purchase a home with a federally insured loan.
- It can not use to register a motor vehicle.
- It will protect social security number from theft during apply for credit.