• 1Verification of your data with you over Phone, Email, or SMS
• 2Adding a clean skip-traced 9-digit number to your CPN Package
• 3Complete CPN Package build-out
• 4Over 100+ Public Records Submissions

• Best OptionUse a family or friend’s 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.
• You can also get a new PO box to collect correspondence for your new file. If you get a new PO box, we can provide you the home address and you can do a mail forward from your new file’s home address to your PO box — or anywhere you’d like to collect mail you have not collected mail at before.
• To learn more about managing addresses and new file management, check our FAQs.

When the balance of your file is paid off, we will then add the Authorized User tradelines related to the package you purchased.

If your package only has one authorized user tradeline account, you most likely will not see credit scores on all three credit bureaus. The card issuer determines which credit bureaus each tradeline reports to. You will most likely see at least two credit scores post with one AU CPN tradeline.

Most AUs only stay on your file from 30 to 60 days. Take advantage of primary tradeline applications while the authorized user accounts are attached to your new file.

We have over 23 Primary Tradeline accounts you can take advantage of. You must get approved for 1–2 primary accounts to have a good credit mix for maximum approval values. Number 12 on our CPN Primary Tradelines List reports to all three credit bureaus and does not require a credit check. As a client, you’ll receive the email with all of our primary tradeline recommendations.

10 days after your Public Records Submissions are completed, ask us for the Primary Tradelines list. Primary Tradelines require a $0–$25/month fee which you self-manage to increase or post your score, in addition to the Authorized User trades we will be adding to your new credit file that come with your package.

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 (some are free). Most primary tradelines report to all three credit bureaus.

When we mention “Open Credit” in the CPN packages above, we’re referring to the open credit the account holder has in relation to the authorized user accounts being added to your new profile.

When AU accounts are added to anyone’s credit profile, the credit bureaus and credit monitoring accounts will display the total amount of open credit in relation to the originating account holder’s credit line value.

Typically this 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 each time — commonly used in credit cards, lines of credit, and other revolving credit accounts.

To be clear: with the Standard Package, we are not saying you automatically have $15,000–$30,000 in credit out of the gate. We’re stating the Open Credit that will show on your credit monitoring profile associated with the AUs that come with your package.

Even though you get approved for 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. 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 is an optional service. The service description page explains why you may or may not want to register your CPN with the IRS.

→ Learn more about IRS registration