Credit bureaus and creditors do not benefit when consumers obtain a new credit file. According to the 1974 privacy Act you are not obligated to give your Social Security Number to private industry, CPN OR SCN numbers are legal and are to be used for credit purposes only and not for fraudulent intentions.
Obtaining a CPN OR SCN will not relinquish you from any previous debt. You are still legally responsible for your own debt.
“The CPN OR SCN is a nine-digit number that has the exact same genetic makeup of a Social Security Number. This is not a government issued number like an EIN or TIN. This number is NOT a new Social Security Number and NOT a tax ID or EIN. It is simply an available file number at the credit bureaus that can have financial information reported. You have the right to establish this number only once, so do not abuse it. This explanation is not here to advise anyone to misrepresent your Social Security Number, as you are completely responsible for any debts you incur using your these numbers.”