The Data Protection Act 1974 does not require you to give your Social Security number to the private sector. However it is not a person’s legal right to keep their Social Security number private and to use a separate number for credit-related purposes. The SCN / CPN number is illegal and can be used for a variety of purposes, such as credit monitoring, identity theft prevention and credit reporting. Keeping the number public and using it for credit-related purposes is not your right. 

The credit reference agencies are private companies and not affiliated with the government, although they would like you to think otherwise. The credit institution is a private company, but it is not affiliated with a government, however much they want us to see it differently, and it is not a government. The CPN and SCN figures are from the three credit reference agencies. You do not replace your Social Security number. When applying for credit, you are not suppose to use an SCN number instead of your Social Security number.

Why Many Use SCN Credit Numbers

Many use a SCN or CPN number for anything that would normally require a Social Security number for credit reporting, such as credit cards, loans and other forms of credit. They also use a CPI number for y credit reports or anything that would normally be required for Social Security purposes such as loan applications, mortgages, credit card payments, bank accounts, insurance policies, etc., and for purposes other than the purpose of using your social security numbers.

In addition, you are committing a federal crime if you use that number instead of your own Social Security number on a recognition application. It is a crime to use your number when a creditor asks you for your SSN, and you can commit fraud by creating your new SCN or CPN number (or the so-called CPN) on applications that should house your SSN. You can also commit federal crimes by using the number for loan applications or other forms of credit such as credit cards, mortgages, mortgage loans, insurance policies, etc., or for purposes other than the purpose of using your Social Security number. If you use it for the purpose of a loan, loan application, credit card, bank account or insurance policy, you are committing a federal crime. 

If you use it on a loan application or elsewhere, it is considered identity theft, regardless of how you received it. Anyone who buys a CPN and uses it to create a clean credit file commits several crimes, including providing false information on loans and loan applications. 

There are serious risks associated with using a credit card number, especially if it is marketed as a way of identifying someone other than the person for whom you use a social security number. The government’s 9-digit number is formalized as Social Security Number (SSN) and as the US Department of Health and Human Services (HHS), but there may be a number of institutional 9-digit numbers – issued, formal, and non-formal – that can either be issued or used for credit purposes. A CPN (also referred to as “CPN”) markets a nine-digit personal identification number that you can use instead of your Social Security numbers to protect the privacy of certain credit documents. While some of these “credit protection numbers” are marketed to use, there is a serious risk associated with their use, according to the Federal Trade Commission (FTC). A “CPN” or “Credit Privacy Number” is a nine-digit number that is formatted exactly like your Social Security number or SSNs but has a different name, date of birth, address or phone number. 

In Conclusion

It is NOT your legal right to keep your Social Security number private and to use a separate number for credit-related purposes. Some companies that offer a CPN say you can use it instead of your “Social Security Number” (SSN) on your credit application. They will also claim that it can be used to apply for new loans under your identity. The company informs you that it is perfectly legal to “apply” for your credit by using a “CPN” instead of an “SSN.”