CPN Package Services
Ministry of Civil Affairs™ Private Member Association
Quality Assurance
Our CPN Package numbers ("Credit Privacy Numbers") are 100% guaranteed, scanned and cleared from being any other entities.
An Attorney-In-Fact verifies all Credit Privacy Numbers issued.
THE ADMINISTRATION OF YOUR CPN PACKAGE WILL BE COMPLETED WITHIN 24 HOURS (Except Sundays)!
Package Includes
- Verification of your data with you over the Phone/Email/SMS
- Adding a clean skip-traced 9-digit number to your CPN Package
- Complete CPN Package build-out
- Over 100+ Public Records Submissions
Address Recommendations
- (Best option) Using a family or friends home address that you've never used for mail before. This way you don't have to verify a mail forward from the post office.
- Also you can get a new PO box to collect correspondence for your new file. If you get a new PO box then we can provide you the home address and you can do a mail forward from your new files home address to your PO box or anywhere you would like to collect the mail that you have not collected mail at before.
- To learn more about managing addresses and new file management check our FAQs
Package Features
Balance Payment
When the balance of your file is paid off we will then add the Authorized User tradelines related to the package you purchased.
Authorized Users
More than likely if your package only has one authorized user tradeline account you will not see credit scores on all three credit bureaus. Depending on the card issuer will determine how many credit bureaus each trade line posts to which credit bureaus. More than likely you will see at least two credit scores post with one AU CPN tradeline. Most AU's only stay on your file from 30 to 60 days. You want to take advantage of primary trade line applications while the authorized user accounts are attached to your new file.
Primary Tradelines
We have over 23 Primary Tradeline accounts you can take advantage of that we recommend. You must get approved for 1-2 Primary accounts to have a good mix of credit for maximum approval values. Number 12 on our CPN Primary Tradelines List reports to all three credit bureaus and they don't do a credit check. If you're a client of ours you get the email with all of our primary trade lines recommendations.
10 days after your Public Records Submissions are completed ask us for the Primary Tradelines list. Primary Tradelines require a $0-$25 a month fee which you would self manage to increase or post your score in addition to the Authorized User trade/s we will be adding to your new credit file that come with the package you purchase.
Typically, only 1-3 months of the Primary Account service needs to be paid for the Primary Tradeline to stay on your credit profile forever (If it's one of the primary trade line paid accounts, some are free). Most primary trade lines report to all three credit bureaus.
Open Credit Explanation
When we mention "Open Credit" in the CPN packages above, we're referring to the open credit that the account holder has in relation to the authorized user accounts that are being added on to your new profile.
When any authorized user accounts are added to anyone's credit profile they will show on the credit bureaus and in your credit monitoring accounts the total amount of open credit in relation to the originating account holders credit line value associated with your new authorized user account.
Open credit typically refers to a financial arrangement where a creditor grants a borrower a predetermined credit limit. The borrower can use this credit as needed, up to the limit, without having to reapply for a new loan each time.
It's commonly used in credit cards, lines of credit, and other revolving credit accounts. The borrower is expected to make regular payments on the outstanding balance and can continue to use the credit as long as they stay within the approved limit.
So to be clear we are not saying you automatically have (for example with the Standard Package above) $15,000 – $30,000 in credit out of the gate, we are simply stating the Open Credit that will show on your credit monitoring profile associated with the AU's that come with your package.
Even though you get approved for some very nice starting amounts, payment performance begets higher credit line increases when you ask for them every 2-3 months with good file management.
We reserve the right to adjust the number of Authorized Users (AUs) applied to your file on a case-by-case basis. For example, if we have indicated a specific 'Open Credit' amount, it may be achievable with 1 AU instead of 2, depending on the available AUs at the time your file is processed. The key metric is the 'Open Credit' amount rather than the number of AUs. Additionally, the age of the accounts is a crucial factor.
Registering your CPN file with the IRS
https://creditprivacynumber.com/how-to-register-cpn-with-irs/ Registering your CPN file with the IRS is an optional service that you don't necessarily need to take part of. If you read the service description page it will describe why you may or may not want to register your CPN with the IRS.
SSN Requirement Exceptions
There are only four instances where a social security number may be demanded:
- 1 For tax matters (make sure to get non-interest bearing checking account)
- 2 To receive public assistance
- 3 To obtain and use a driver's license
- 4 To register a motor vehicle
