*Except Sundays
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.
We have many people wanting a CPN Package to get into an apartment, rent a house or buy an automobile.
With our Basic CPN Package or above they enjoy only paying 1st months rent and a low or no security deposit.
Why is this?
When you have a credit score above 690 typically and you have a good background with no evictions you get the best move-in deals.
Another reason people enjoy getting CPN Packages from us is when applying for an automobile and getting low interest rates on loans.
The money you pay for a CPN Package becomes minuscule compared to all the interest, fees and down-payments people have to pay with bad credit to get into an apartment or auto.
Your file is ready within 24 hours, and your public records submissions finish indexing in about 10 days, so plan your first applications with that timeline in mind. It usually takes 10 days for all the Public Records Submissions to populate into the national databases.
That is why we recommend at a minimum our Basic CPN Package above. Not only do you get a great credit score and file you can build on with confidence, but 7 day support as well.
Our CPN Package credit privacy file numbers are generated from our CPN Software algorithm that has been validated by a team of attorneys to assure compliance.
Every number is skip traced and verified as unassigned: not a deceased person’s, not a child’s and not any living person’s.
We make sure our clients are educated and confident in using their new credit file CPN Package for many years to come.
If you have any questions at all about our or anyone’s CPN Packages please give us a call.
Check out The 1974 Privacy Act Law.
LNCF CPN packages start at $297 and go to $2,497. Each one builds a new credit file within 24 hours, adds 100+ verified public records submissions, and comes with live phone support seven days a week. Higher tiers add authorized user tradelines, credit repair rounds, and a free guide toward an 800 score.
Situations to Use a CPN Number and the Benefits of CPN Packages
Protecting Your Privacy: Using a CPN (Credit Privacy Number) can help safeguard your personal Social Security Number (SSN) from being shared with every Tom, Dick & Harry. When applying for non-governmental services, such as utilities or memberships, providing a CPN Number instead of your SSN helps keep your sensitive information more private. Our CPN packages include detailed instructions on how to use your CPN effectively in most all situations to ensure maximum privacy.
Protection from Database Breaches: In the event of a data breach at a company where you’ve used your CPN, your SSN remains secure. This can minimize the risk of identity theft since your actual SSN is not exposed to hackers or unauthorized individuals. By choosing our CPN packages, you can rest assured that your data is protected and that you have the necessary standing to safeguard your identity.
Engaging with Companies That Do Not Legally Require an SSN: Some companies do not legally require your SSN to provide services (ask for our SSN Disclosure Kit). In these cases, using a CPN can be a legal alternative, ensuring you receive the service without exposing your SSN unnecessarily. Examples include utility providers, cell phone companies, or most all third party for profit service providers. Our CPN packages come with a comprehensive list of such companies and guidelines on how to use your CPN with them.
Online Transactions and E-commerce: When making purchases online or signing up for e-commerce accounts, using a CPN can add an extra layer of security. This helps keep your SSN safe from potential online fraud and cyber-attacks associated with e-commerce platforms. The CPN packages we offer include FREE best practices guides for using your CPN in online transactions, ensuring that your personal information remains secure.
Employment Background Checks: In situations where employers conduct background checks that do not legally require an SSN, a CPN can be used instead. This can help prevent the unnecessary sharing of your SSN and reduce the risk of identity theft from employer databases. Our CPN packages provide detailed information on how to present your CPN to potential employers and navigate background checks smoothly especially for apartments.
Renting Property: When applying to rent property, landlords often require a credit check. Using a CPN can protect your SSN from being shared with multiple landlords. CPN packages include guidelines on how to use your CPN in rental applications, helping you secure housing without compromising your personal information (REF Here: https://legalnewcreditfiles.com/cpn-apartment-rental/ ).
Securing Credit Cards: For those looking to apply for credit cards without exposing their SSN, a CPN can be a useful tool. Our CPN packages offer advice on which credit card companies accept CPNs and how to apply for credit cards using your CPN, allowing you to build credit safely and securely.
Travel and Leisure Services: Many travel and leisure services, such as hotel bookings and car rentals, do not require an SSN. By using a CPN, you can enjoy these services while keeping your SSN private. Our CPN packages provide tips on utilizing your CPN in the travel and leisure industry, ensuring a hassle-free experience.
By using a CPN Profile in these situations and utilizing our comprehensive CPN packages, individuals can enhance their privacy and security while still complying with legal requirements for identification and credit-related transactions. Our CPN packages are designed to provide you with all the necessary information and support to make the most of your CPN file, protecting your identity and ensuring your peace of mind.
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Credit repair services, Tradelines, CPN and credit boost, Business credit assistance, SBA grants and loans, Hard inquiry removal, Charge-off and collections removal, ID verification services, Student loan relief, Rent relief programs, Care Credit application, Boost credit score, Credit sweeps for collections, Apartment and car approval, Financial and credit support
Basic is $297 paid in full. Rentals is $697, Standard is $997, Professional is $1,597 and Premium Pro is $2,497. The four upper tiers start with a half-down payment of $348, $498, $798 and $1,248, and the balance is paid when you are ready for your tradelines to post.
Your package is completed within 24 hours, except Sundays. That covers a data check with you by phone, email or SMS, a clean skip-traced nine-digit number, the complete package build-out and 100+ public records submissions. Those records take about 10 days to index in national databases.
They are aged accounts from established cardholders that we add to your file after the balance is paid. The open credit they show helps your first scores post. Most stay on your file 30 to 60 days, so we suggest applying for primary tradelines while they are attached.
Primary tradelines are accounts you apply for in your own name. We give you a list of 23+ options and you choose one or two. They carry a fee of $0 to $25 per month, and paying one to three months is usually enough for the account to stay on your profile.
Registering your CPN file with the IRS is an optional service. It is useful if you plan to use the file as a personal guarantor on a business. Our IRS registration page explains who benefits most, so you can decide whether it fits your plan before adding it.
Every package includes live phone support seven days a week, the CPN Best Practices Guide, and a free guide for taking your new file toward an 800 score, sent when your first scores post. You can call (800) 597-2560 at any point to ask which tier fits you.
