Join the new monthly reporting tradeline subscription service under $50 a month
No I am not joking. You can get monthly reporting primary and seasoned tradelines for less than 150$ a month.
Legal Cpn is a business credit, Cpn's, Loan Funding and Seasoned Tradeline website; with advanced technology and Ebook education services. Ebooks, home study programs, and business credit options. Our information is tailored to help individuals and businesses better their financial situations.
| * Reporting Frequency : | Reports monthly with your subscription renewal (First reporting is 30 days after purchase) |
| * Limit / balance ratio : | Reports 60/40 debt ratio and ratio improves with every payment (Great for new or thin credit profiles) |
| * Pricing : | $29 / $49 / $69 subscription monthly reporting (Every renewal is your monthly reporting) |
| * Limit Range : | $3,599.00 - $8,399.00 |
| * Reporting Type : | Subscription Financial Service |
| * Authorized User or Primary : | Reports as Primary Installment Tradeline / Not Authorized User |
| * Reporting Date : | Reports 30 days after purchase. Your First reporting is your first rewal payment |
| * Credit Bureau Reporting : | Reports Equifax, Experian, Trans Union, |
| * Guarantee : | Subscription is fully guarantee and falls within the subscription contract agreement |
| * Important Please Note : | This product is a subscription sign up product. Your first payment enters you into the program; your second payment and subsequent payments are applied to your account and released for reporting. |
What are Primary Tradelines ?
Primary tradelines are real and actual credit accounts that belong to the account holder. As compared to authorize user tradelines; primary tradelines are considered more favorably by lenders and scored more favorably by credit reporting companies.
[youtube https://www.youtube.com/watch?v=A2F4gbfaBXY]How Do I Get Started ?
Below you will find several links for several subscriptions. We offer several products which enables our subscribers to access our library for a monthly fee to use and access to our products. We report your subscription to Experian, Equifax and Trans Union. Your account will be reported either as an Installment tradelines or in some cases public record on 1, 2 or 3 credit bureaus depending on the bureau; having a positive affect on your credit report.
How is this different from AU's ?
Primary tradelines report on your name, your Cpn, Ein, or Ssn. Primary tradelines do not confuse your credit report with multiple address and primary tradelines will mark your credit report with "PRIMARY ACCOUNT," and not mark your account with the term authorize user, B account or AU account status flagging your account noting your account history is comprised of AU authorized user tradelines.
With Primary Tradelines Can I Get Funded ?
Most lenders look for primary tradelines, active credit accounts, positive history, low ratios of your available credit to current balance and avoid authorized user tradelines when authorized user tradelines comprise the majority of the credit report. Most lenders agree primary tradelines will provide the strongest makeup of a well rounded good credit report and present the safest level of risk.
What types of programs do you have?
Your Subscription account not only provides you with all our ebook, study material, and our complete online library; but we report your subscription with us as a primary tradelines.
We offer 2 types of programs:
1) Pay as You Go Reporting : Which is by definition is our subscription programs, you pay, we report your account as paid and in good standing; and you have access to our library during your open membership period.
2) One Pay Reporting: One pay subscription programs enable a buyer to pay his entire account, have full access and not worry about monthly payments. The benefits are we can report this account open, active and PAID OFF.
We offer 2 types of programs:
1) Pay as You Go Reporting : Which is by definition is our subscription programs, you pay, we report your account as paid and in good standing; and you have access to our library during your open membership period.
2) One Pay Reporting: One pay subscription programs enable a buyer to pay his entire account, have full access and not worry about monthly payments. The benefits are we can report this account open, active and PAID OFF.
Refer to subscription for exact details
Below you will find our subscription offerings where you can find the exact reporting limits, as well and the costs and the frequency you can access and download our ebooks, materials, merchandise and training materials
How long does it take for reporting ?
Your first payment enters you into our subscription program; your account is set up and entered into our system. Your first automatic payment is by definition your first payment which is submitted to your subsciption and reported . Typically you will see your account appear on your credit report within 45 days of entering into our subscription.
We report your account payment history; PAID IN FULL . Your subscription account is based on a 10 year membership; which is reported to your membership account and reported. ONE PAY REPORTING SUBSCRIPTIONS OFFER FULL ACCESS TO OUR LIBRARY AND FULL ACCESS TO DOWNLOAD CONTENT FROM OUR LIBRARY EVERY 30 DAYS. THIS SUBSCRIPTIONS IS PAID IN FULL; Without further obligation for the duration of your contract.
You simply select your package; Make Your Payment, Click the Join Now Button, and Send your Contract for Processing. First payments typically reports in 45 days after your first initial payment
We report your positive payment history; MONTHLY . Your subscription account is based on a 10 year membership; which is reported to your membership account and reported. PAY AS YOU GO SUBSCRIPTION PROGRAMS OFFER FULL ACCESS TO OUR LIBRARY AND FULL ACCESS TO DOWNLOAD CONTENT FROM OUR LIBRARY EVERY 30 DAYS. SUBSCRIPTIONS CAN BE; CANCELLED AT ANY TIME; Without further obligation.
You simply select your package; Make Your Payment, Click the Join Now Button, and Send your Contract for Processing. First payments typically reports 15 days after your first subscription payment; which is 45 days from your initial payment.
WATCH VIDEO BEFORE PURCHASING
What is the One Pay Subscription
ONE PAY REPORTING SUBSCRIPTIONS ARE SUBSCRIPTION BASED PROGRAMS WHICH ARE PAID IN ONE PAYMENT. You have (1) initial cost (which varies from program to program) and thats it. No Monthly Payments!!We report your account payment history; PAID IN FULL . Your subscription account is based on a 10 year membership; which is reported to your membership account and reported. ONE PAY REPORTING SUBSCRIPTIONS OFFER FULL ACCESS TO OUR LIBRARY AND FULL ACCESS TO DOWNLOAD CONTENT FROM OUR LIBRARY EVERY 30 DAYS. THIS SUBSCRIPTIONS IS PAID IN FULL; Without further obligation for the duration of your contract.
You simply select your package; Make Your Payment, Click the Join Now Button, and Send your Contract for Processing. First payments typically reports in 45 days after your first initial payment
What is the Pay As You Go Subscription
PAY AS YOU GO SUBSCRIPTION PROGRAMS ARE SUBSCRIPTION BASED PROGRAMS WHICH REPORT (EVERY 30 DAYS). You have (1) initial cost (which varies from program to program) and billed monthly at your subscription rate.We report your positive payment history; MONTHLY . Your subscription account is based on a 10 year membership; which is reported to your membership account and reported. PAY AS YOU GO SUBSCRIPTION PROGRAMS OFFER FULL ACCESS TO OUR LIBRARY AND FULL ACCESS TO DOWNLOAD CONTENT FROM OUR LIBRARY EVERY 30 DAYS. SUBSCRIPTIONS CAN BE; CANCELLED AT ANY TIME; Without further obligation.
You simply select your package; Make Your Payment, Click the Join Now Button, and Send your Contract for Processing. First payments typically reports 15 days after your first subscription payment; which is 45 days from your initial payment.
WATCH VIDEO BEFORE PURCHASING
INFO ON CPN NUMBER PURCHASE YOU MUST BUY BEFORE YOU BUY THE SUBSCRIPTION VERY IMPORTANT! WATCH VIDEO BELOW
[youtube https://www.youtube.com/watch?v=nghnseNx-GE]
BRONZE PACKAGE CPN (GREAT FOR PROS AND PEOPLE W/EXPERIENCE IN CPN’S) Buy Now
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* This purchase is guarantee; against death master file, non issuance, and caution indications. Enjoy comfort knowing your Scn number is unused by anyone as a credit profile number in the Fico bureaus.* This purchase is ready for tradeline, 411, tri-merging, and credit bureau processing.
* EIN processing instructions included.
* Safe Scan, Choice Point and Lexis Nexis Clear.
This Product DOES NOT include Tri-merging & 411 instructions!
SILVER PACKAGE CPN * Buy Now
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* This purchase is guarantee; against death master file, non issuance, and caution indications. Enjoy comfort knowing your Scn number is unused by anyone as a credit profile number in the Fico bureaus.* This purchase is ready for tradeline, 411, tri-merging, and credit bureau processing.
* EIN processing instructions included.
* Safe Scan, Choice Point and Lexis Nexis Clear.
PURCHASE HERE This Product DOES include Tri-merging & 411 instructions!
GOLD PACKAGE CPN Buy Now
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This purchase is guarantee; against death master file, non issuance, and caution indications. Enjoy knowing your Scn number is unused by anyone as a credit profile number in the Fico bureaus. * Tradeline Ready, 411 Processed, Tri-merged, and credit bureau ready. * EIN processing instructions included. *Safe Scan, Choice Point and Lexis Nexis Clear.This Product is FULLY Tri-merged; Tradeline & Credit Ready. Perfect for the person looking to add Seasoned Tradelines to their Scn new credit profile
WHAT ARE CPN NUMBERS?
Freddie Mac's Definition of; "What is a CPN?"The CPN is a nine-digit identification number that looks like a social security number (SSN) and may be used in lieu of an SSN, for such purposes as obtaining credit.
One has the legal right to keep his/her SSN private. In certain circumstances, consumers are required by law to disclose their SSN, such as to the Internal Revenue Service, employers, when registering a motor vehicle, buying a firearm, or applying for a federally insured loan.
In other circumstances, federal law allows consumers to legally use a separate identification number, hence the opportunity to establish a CPN for a credit file.
[youtube https://www.youtube.com/watch?v=rjgRCQPOACQ]
CPNs are commonly used by celebrities, members of Congress, and witnesses protected by the federal government to help protect their privacy and security. 07/18/2013; http://www.freddiemac.com/singlefamily/news/2013/0718_fraud_trends.html
CPNs are commonly used by celebrities, members of Congress, and witnesses protected by the federal government to help protect their privacy and security. 07/18/2013; http://www.freddiemac.com/singlefamily/news/2013/0718_fraud_trends.html
FBI's Definition of; "What is a CPN, Piggy Backing, & Seasoned Tradelies?"
34) A FICO score is a credit score that determines the likelihood that credit users will pay their bills. The score is developed using models and mathematical tables that assign points for different elements or pieces of information that best predict future credit performance. FICO scores range from 300 to 850, and are calculated based on payment history, balances owed, length of credit history, types of credit used, and new credit history.
FICO 08––introduced in the latter part of 2008––is a new scoring formula designed to more accurately predict loan defaults. One of the primary purposes of FICO 08 was to eliminate the practice of “piggybacking.” This occurs when individuals are permitted to add authorized users on their credit accounts to boost their credit scores. Many lenders have opposed this change because it inhibits compliance with Federal Reserve Board regulations and hinders authorized users, such as wives and college students, from establishing or maintaining a credit rating.
35) Credit Privacy Numbers (CPNs) are nine-digit file numbers that follow the same algorithm as Social Security.
34) A FICO score is a credit score that determines the likelihood that credit users will pay their bills. The score is developed using models and mathematical tables that assign points for different elements or pieces of information that best predict future credit performance. FICO scores range from 300 to 850, and are calculated based on payment history, balances owed, length of credit history, types of credit used, and new credit history.
FICO 08––introduced in the latter part of 2008––is a new scoring formula designed to more accurately predict loan defaults. One of the primary purposes of FICO 08 was to eliminate the practice of “piggybacking.” This occurs when individuals are permitted to add authorized users on their credit accounts to boost their credit scores. Many lenders have opposed this change because it inhibits compliance with Federal Reserve Board regulations and hinders authorized users, such as wives and college students, from establishing or maintaining a credit rating.
35) Credit Privacy Numbers (CPNs) are nine-digit file numbers that follow the same algorithm as Social Security.
Account Numbers (SSANs). Currently, federal law allows individuals to legally use CPNs for financial reporting and protects those individuals who do not wish to disclose their SSAN. Individuals who acquire CPNs are completely responsible for any debt they incur using this number.
36) Seasoned trade lines are lines of credit that are held open in good standing for an extended period of time, typically for at least two years. http://www.fbi.gov/stats-services/publications/mortgage-fraud-2008
36) Seasoned trade lines are lines of credit that are held open in good standing for an extended period of time, typically for at least two years. http://www.fbi.gov/stats-services/publications/mortgage-fraud-2008
Wise Geek Definition of; "CPN Numbers and Legal CPN."
The Credit Privacy Number, or CPN, is a nine digit identification number that can be used to report financial information to credit bureaus. Available for use primarily in the United States, the number can be used instead of an individual�s Social Security number for many types of credit transactions . However, the CPN should not be viewed as an equitable substitute for the Social Security number in all situations.
Also known as a credit profile number, the CPN has its main advantage when it comes to tracking credit transactions and evaluating credit history. Rather than using a Social Security number for all credit transactions, using a credit privacy number makes it easier to segregate finances in the event of identity theft. Without access to a Social Security number, the thief is somewhat limited in the amount of difficulties that are created for the rightful owner of the number. This is because there are several types of financial transactions that cannot be conducted using this number.
The Credit Privacy Number, or CPN, is a nine digit identification number that can be used to report financial information to credit bureaus. Available for use primarily in the United States, the number can be used instead of an individual�s Social Security number for many types of credit transactions . However, the CPN should not be viewed as an equitable substitute for the Social Security number in all situations.
Also known as a credit profile number, the CPN has its main advantage when it comes to tracking credit transactions and evaluating credit history. Rather than using a Social Security number for all credit transactions, using a credit privacy number makes it easier to segregate finances in the event of identity theft. Without access to a Social Security number, the thief is somewhat limited in the amount of difficulties that are created for the rightful owner of the number. This is because there are several types of financial transactions that cannot be conducted using this number.
One truth about CPN usage is that there are many citizens of the United States that routinely use this type of identification number. Celebrities often use one as a means of protecting their privacy when it comes to credit cards, loans, and other financial transactions. Members of Congress are also likely to use it in order to minimize the chances of private details about their finances being released to the general public without their authorization. People placed within a witness protection program are often issued a CPN, as it is much harder to track than a Social Security number.
Any citizen of the United States can request and obtain one of these numbers. However, it is only possible to receive one CPN. Certain resident aliens, spouses, or dependents can also apply for one if they have an Individual Taxpayer Identification Number (ITIN). The number remains constant from the date of issue and is connected with the owner of the number for the remainder of his or her life. As with a Social Security number, the owner is responsible for using the CPN with prudence. This means knowing what type of transactions require use of a Social Security number and which transactions may be conducted using a CPN.
http://www.wisegeek.org/what-is-a-cpn-number.htm
Any citizen of the United States can request and obtain one of these numbers. However, it is only possible to receive one CPN. Certain resident aliens, spouses, or dependents can also apply for one if they have an Individual Taxpayer Identification Number (ITIN). The number remains constant from the date of issue and is connected with the owner of the number for the remainder of his or her life. As with a Social Security number, the owner is responsible for using the CPN with prudence. This means knowing what type of transactions require use of a Social Security number and which transactions may be conducted using a CPN.
http://www.wisegeek.org/what-is-a-cpn-number.htm
Transactions that cannot be conducted using a CPN include information given to an employer, documents submitted to the Internal Revenue Service, and registering a car or truck. The number also cannot be used when applying for one of the several government sponsored home loan options, such as Sallie Mae or a FHA loan. However, a legal CPN can be used when applying for credit cards and obtaining financing that is not government related.
One of the urban myths surrounding the use of a CPN is that the credit file number can be used to avoid paying outstanding debt. In fact, the individual remains liable for all debts incurred on credit accounts referencing a Social Security number or a CPN. Obtaining this number will not result in establishing new credit to replace bad credit generated under a Social Security number.
Wiki Answers; Definition of; "CPN Numbers and Legal CPN."
One of the urban myths surrounding the use of a CPN is that the credit file number can be used to avoid paying outstanding debt. In fact, the individual remains liable for all debts incurred on credit accounts referencing a Social Security number or a CPN. Obtaining this number will not result in establishing new credit to replace bad credit generated under a Social Security number.
Wiki Answers; Definition of; "CPN Numbers and Legal CPN."
The CPN is a nine-digit number that has the exact same genetic makeup of a Social Security Number. This is not a government issued number like an EIN or TIN. This number is NOT a new social and NOT a tax ID or EIN. It is simply an available file number at the credit bureaus that can have financial information reported. You have the right to establish this number only once, so do not abuse it. This explanation is not here to advise anyone to misrepresent your Social Security Number, as you are completely responsible for any debts you incur using your Credit Privacy Number. It is your legal right to keep your Social Security Number private, and use a separate number for any credit related purposes. You are only required by law to disclose your Social Security Number to the Internal Revenue Service, your employer, when registering a motor vehicle, buying a firearm, or applying and obtaining a federally-insured loan such as FHA, Sallie Mae, etc. I encourage you to use the laws to your advantage. Each credit bureau works on a different schedule. In addition, the CPN is used by celebrities, congress members/government workers, and witness protection reasons. For example, celebrities use it because the media can use their SS# to track what they are buying and where they are simply by tracking their credit cards. Further, in example, congress holds special privileges to the law; therefore, their privacy needs to be protected. In another example, witnesses under protection can be located if they use their true social security number for transaction. This is the reason why there is the existence of a Credit Privacy Number program. Legality of the CPN: Presently, federal law allows the ability for someone to legally use a private ID # for financial reporting purposes 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 her's Social Security Account Number. 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 today. Credit Bureaus are not legally allowed to "require" your Social Security Number. In our country's present credit reporting system a person may be assumed guilty and then must expend a great deal of time and resources to prove his or her innocence. Additionally, once a negative item is in a credit file it may remain long past the 7 year time period most people believe is used. Additionally, a misreported item can show up in a credit report multiple times. When it comes to credit, banking and loans, there are two things you must know. The first relates to the law pertaining to the usage of your social security number as an identification tool. The second, credit bureaus are private companies and are not affiliated with the government in any way, whatsoever. Although, the credit bureaus would like you to think otherwise. ---What all this means is Federal Law protects those who do not wish to disclose their personal information (SS#) except when required to do so. All that to say: Instead of a Social Security Number, with the right planning, you now have the opportunity to establish a Credit Privacy Number (CPN), as it is your right to have one.
http://wiki.answers.com/Q/What_is_a_credit_privacy_numb
http://wiki.answers.com/Q/What_is_a_credit_privacy_numb
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