Credit Privacy Number (CPN) – A Complete Setup Guide

A CPN, or credit privacy number, is a nine-digit number that’s formatted just like a Social Security number (SSN). It may also be called a credit profile number or credit protection number. Companies that sell CPNs to consumers market them as a way to hide a bad credit history or bankruptcy. They’ll also claim you can use the CPN instead of your SSN to apply for credit with your new credit identity.

Does this seem too good to be true? That’s because it is. In fact, it’s illegal. Keep reading to discover the truth about CPNs. I

HOW TO MAKE A CPN work out the first 5 for proper state and year of birth.

Randomized numbers get a note added to report that they were made after 2011. This is probably not helpful

Validating number
Using ssn validator checks death index only.

A live child with a society still has records of it, you can’t assume that no companies check this info too.


Using digital mailboxes like requires an id and proof of citizenship. $7 and up monthly to get a mailing address. They will scan your mail to you and forward what is necessary.

You must have the following infrmation before you Tri-merge

CPN Employment:

employment will always be Management If you do not have a valid employer to use, your income will always be between $55,000 and $85,000 per year for trimerging.

For the length of time at employment, put 5 years, 5 months.
The same goes for the length of time at your residence.

Tri-merge Housing:

You must have lived there for at least five years and five months before you can rent or buy, and your rent or payments will always be $500 per month. If you’d like, you can slightly alter the amount of your housing payments, but I wouldn’t go far over $600 or under $450.

just fill it out, and hit submit – Does not matter what you put as long as the CPN information is in there!

After this is done – you MUST wait 72 hours (3 DAYS) to do anything –

Go to and fill out the “GET APPROVED” Application.

Go to Etrade and open up a Personal Checking account – This gives you a bank account that you can use freely to pay anything you do with your CPN. and fill out the application – There is a $25.00 fee – this will report up to two years of rental history on your profile.
They will give you a $2500 they will give you a $5000 limit as a one-time fee.

By now you can set up credit karma or whatever similar site you like.


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How to Make your profile look real. Lenders are getting wise to CPNs

1) Get a prepaid phone through either Verizon or ATT. CALL them to register it.

2) Go to and register your CPN Address, your Prepaid phone number, and email

3) Go to your local grocery store and sign up for their club card.

4) Sign up for these magazines: Time, National Enquirer, Esquire, and such

5) Get hunting and/or fishing license.

You get the idea of what types of things to sign up for.

Now your CPN is ready for tradelines.

Go to and apply.

After you have made your FIRST payment on your Kohls card, and/or your primary trade lines have been posted, apply for Fingerhut, Capital One, Credit One, and Discover. Space it out. Don’t do it all in one day. Every few weeks or once a month. Don’t rush it.

Pro tip = register businesses with cpn. It’s possible to obtain Ein from IRS without a social. It’s not common knowledge but clearnet. This will open a whole new world.

I have a 300+ page guide (compilation) of (secret) sauce to dip them in. Do not misconstrue this as advertising. My heart is in the right place

You need to find the SSN number for either a child or one that hasn’t been reported yet since 2014. There are SSN links and info somewhere on the forums if you search. Basically, the first thing you need to do is read up about SSN format then find your own SSN to use for children 1-8 years old via

I’m not sure of tradelines or primary yet, I’ve only been doing this 100% natty for a month now building up profiles. No fake employment history comes with it lol you need to get crafty to get around this part or find someone who can do scans for you.

Hope this steers you in the right direction

how do you create/make/buy a CPN number ????? I’ve seen websites selling them and people on IG, but I don’t wanna get scammed, so I rather make my own.

also, how do you register it with credit karma?

What is a good place to buy CPN numbers and tradelines ???

AU tradelines or primary ??

How long does it take yall from when yall get fresh CPNs to cashout day on average? Someone told me he usually would cash out within 1-2 months, someone else told me 4 months.

Do CPNs also have fake employment histories? How do you handle employment verification when applying for loans?

This is one of the easiest thongs to do and here are the steps

1. get cpn

2. add AU/primary tradelines

3. Let time work for you

4. Once your credit score is way up go shopping

5. $$$$$$$$ ???

With parents who have worked for the USPS their entire lives, the best way for something like that to work is to submit a Forwarding Mail request from an existing address to that address. You need two forms of ID (which can be fake) to forward mail. If you do it online, you’ll need a credit card and your driver’s license number (must be working). If no one submits a Forwarding request, the USPS knows the house is still vacant and will either return the mail to the sender or begin closely inspecting and/or opening it. In addition, most/all real estate companies advertise Sold properties on the sign for a few weeks before removing them.


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