CPN PROFILE

BUILDER

This system contains data on how SSN numbers are constructed and will help

you avoid creating a CPN number that

is an actual SSN.

You will use this tool to ensure that the first 3 digits of your SSN matches the state

where you choose to create your new profile and that the next 2 middle numbers that

you choose will NOT be a valid SSN number combination!

Step One: Choose Your State of Issuance

Once on the site, in the “Three-Digit Decoder” section, you will choose the state you

want your number to show as issued from.

Use the drop-down menu, labeled “was issued in”, to choose the state.

You will then be given a range of numbers to choose from.

We will use New York as our state where we will form a NEW Address.

So, in this example, our Three Digit Code Range for NY is 050 to 134.

We will choose 115 as our Three Digit State Code.

Congrats, you now have the first 3 digits of your CPN number. Let’s move on.

Step Two: Choose A Non-Issued Two Digit Group Number

Go to the “Five-Digit Decoder” Section.

Here is where you will generate the two middle numbers added to the FIRST THREE

numbers you have chosen regarding your state of issuance.

In our example, we chose the Three-Digit Code 115.

You now will choose 115 in the drop-down menu “SSN Starting with” and search for a

Two-Digit Code.

Search for a Two Digit Code to go along with “115” until you get the result “Not Issued”.

This will help ensure you will not be using someone’s real SSN!

Our number is 17. So now, we have a partial CPN 115-17-XXXX. Print or Write this # Down.

Start Building Your Profile

Step Three: Create the Last 4 Digits of Your CPN

D. Then go to: http://SSNValidator.com and enter “115-17” for the first 5 numbers.

Then, you want to add 4 numbers in any sequence at the end in the 3rd box. It doesn’t

matter what you pick; you just need to pick 4 random numbers. Then hit search.

Once you have done this, you will see one of two messages.

1. The first message could be: THIS NUMBER HAS NEVER BEEN ISSUED. This is

good and you are ready to go. Write this number down and proceed to Step 2.

2. The second Message could be: STATUS: THIS SSN HAS BEEN VALIDATED!

This message will be in Green.

If you receive this message, pick another number and repeat until you get the

message: THIS NUMBER HAS NEVER BEEN ISSUED.

CREATING REGISTRATION DETAILS FOR THE CPN

You have a complete CPN number. Now, we will need to gather info for this file.

1. Address

2. Phone Number

3. Email

4. File Details

Address: You must use an address where you have received no mail or had any bills

under your name. This is very important. If you use an address linked to you, your new

and old credit files could mix. The address you choose should never be in the same

zip-code as any of your previous addresses.

When choosing a new address, you can use the address of a friend or family member

as a free option or you can purchase a Virtual P.O. Box. All the mail regarding your

CPN will then go to that mailbox, and you can decide whether to have it forwarded to

you or not. This also works for large and small packages.

Phone Number: Now, you will need a phone number for your CPN. There are plenty

of free options to choose from. You have Google Voice and apps like Burner &

TextNow, so just choose one.

Email Address: Now, you will need an email address. Like in the past 2 steps, it cannot

be linked to you. Please make sure this is a new email like: Gmail, Yahoo, MSN etc.

File Details: Now you will print or write down some very important information. You will write

down your Annual Income, Time at address, Type of job, Time on job, and other

details. Please use only the specific ranges I provide. Please have this info ready to fill in:

◉ Annual income must range from $50,000-$80,000.

◉ Your Time at Current Address is 5 Years 5 Months.

◉ Your type of job is = Self Employed.

◉ Your time on the job is 5 years 5 months.

◉ You have both a checking and savings account.

◉ You own your home & the payment is $500.

REGISTERING THE CPN & DETAILS

Now that you have a new credit profile number and new personal details, you need

to register this information to create a new credit profile within the credit bureau’s

system.

This is a simple 2-Step process, and l reveal to you exactly how this is done.

Step One: Create A New Public Record W/ Your CPN Details

Computer systems are very advanced, nowadays, so to make sure we have all our

ducks in a row, it’s best to build a solid personal profile outside the Credit Bureau’s

system. There needs to be a public record of you, so that, once you are cross-

referenced, red flags won’t be raised because you don’t exist in the “outside world.”

Right now, you are a ghost, and you need to be seen, but your file must look organic

and natural. To do that, we are going to:

A. Go to http://www.listyourself.net/listing.jsp and get listed in the 411 directory.

This is important, because you want to build a strong CPN file, and having a

public record is an important part of that.

When you register with this site, you must have a new working phone number,

so you can receive their verification code via text message or call.

B. Sign up for these two free benefits programs to solidify your profile.

https://www.spirit.com/FreeSpiritEnrollment.aspx

https://www.delta.com/profile/enrolllanding.action

C. Sign up for these rewards cards using your CPN information.

https://www.jcprewards.com/Registration.aspx

https://www.fuelrewards.com/fuelrewards/signup-details

Step Two: Register Your CPN W/ The Credit Bureaus

Here, you will do what is known as tri-merging. This is when you get all three credit

bureaus to register your new information within their system, which will create a new

credit file for your CPN.

Tri-Merging is done by simply applying for credit with the CPN and the new file

details. You will be denied initially, but that does not matter, because we are simply

getting your file registered in their system.

Here are the best places to apply and successfully tri-merge your new credit file.

1. Go to https://www.carmax.com

and fill out the loan application.

Use the following information when applying for a Used Auto Loan.

• Loan Amount $17,500.00

• Terms: 72 Month Term

• Job Title: Self Employed / Consultant

• Then use the rest of the information you created.

2. Go to https://www.americanexpress.com/us/credit-cards/?intlink=USHP-

LFC-Personal Cards-Large and fill out an application for the “Premier Rewards

Gold Card.”

Use the following information when applying for the Credit Card.

• Use the information you created earlier.

IMPORTANT: ALWAYS USE THE SAME DETAILS EVERY TIME YOU FILL OUT AN

APPLICATION!

Step Three: Verify Your Tri-Merge Was Successful

1. Wait 24 hours, then go to creditkarma.com and register for a free account with

your new CPN and personal details. CreditKarma.com should be able to pull a

file on you, based on your new details, and once they do, you know your new

credit file within the credit bureaus had been created!

2. If it does not populate, do not worry. Simply sign up at freecreditreport.com

and see if your file populated there.

HOW TO BUILD YOUR NEW CREDIT PROFILE

STEP 1: Apply for a Discover IT Secured Card. You will be approved. There is a

minimum $200 deposit.

STEP 2: You will receive your new credit card. Activate it and make a purchase for

only 20% of your credit limit. So... if you have a $200 limit, purchase something for only

$40.

STEP 3: Make a payment on your Discover IT Secured card for the full balance.

STEP 4: Once the payment for your Discover IT Secured Card appears on your credit

file, apply for a Capital One Secured Card. There will be a small $49 deposit for this

card.

STEP 5: Once you receive your Capital One Secured Card, activate it and make a

purchase that is less than 20% of your limit. Once again, if you have a $200 limit, don’t

spend more than $40 because if you spend more than that, it can have a negative

impact on you score.

STEP 6: Wait 5-7 Days then make a payment on your new Capital One Secured Card.

STEP 7: Once your Capital One card reports and your payment posts, you will now

have two perfect tradelines on your report. This is when you will apply for the

following two unsecured accounts.

1. Fingerhut

2. Kohls

STEP 8: Wait two weeks after applying for the Fingerhut and Kohls Card, then apply

for...

1. Walmart Store Card (Not the Mastercard or visa card)

2. Macys

STEP 9: Purchase a seasoned authorized user tradeline to strengthen your file. This

will give it a seasoned payment history and increase your available credit which will

in turn lower you debit to credit ratio. Look online for a provider that will accept a

CPN number because some don’t and some do. (I don’t accept CPN numbers for my

tradeline program).

STEP 10: Check creditkarma.com to see what credit cards they suggest you get,

based on your new credit profile. Only go for cards with a Good to Very Good chance

of approval.