Frequently Asked Questions


Q: Do you really understand how your social security number is used?

A: The social security administration was created during the great depression. The Federal Government’s intention was to allow Americans to save for our retirement so that we may live in our senior years. Like it or not that was the plan.

Over the years, the “social security” number, which was intended to identify your retirement accounts, has become a tool for the government and other private organizations to track us in numerous ways. Although, that was not the original intent of a “Social Security Number”, it has become an easy way for different organizations to identify us. For example, you are often asked for your SS # for a new bank account, credit union, or when applying for a driver’s license.

Q: Why do these organizations insist on requiring your social security number to identify you?

A: Because we allow them to! The sole purpose of your social security number is for tax and social security use ONLY! 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.

Q: What Will My New Credit Score Be?

A: Your new credit file will be completely blank, and it will take the acquiring of credit accounts and credit history to attain a new credit score.

Q: Am I still responsible for all my old debts?

A: Yes. You are still completely responsible to handle all of your prior debts.

Q: Is this a second social security number?

A: No. Your new nine digit credit profile number will not be used for any government interactions. Employment, Drivers License’s, Welfare, and any other social welfare was meant to utilize your Social Security Number to gain benefits.

Q: Can I use this number just like a Social Security Number?

A: No. This number is for credit purposes only and is not to be used for the following: Military, Child support, DSS income, SSI, taxes, FHA, VA, or any government programs or funding.

Q: What Can I Use With My New Credit Profile?

A: This new credit profile can be used for credit purposes only. It can be used for attaining credit cards, car loans, mortgages (private party only), personal unsecured loans and more.

If you have any questions pertaining to the use of a CPN/SCN, please do not hesitate to ask me.