FAQ

I heard that credit repair doesn't work. How do I know that yours will?
Most credit repair companies barrage the bureaus with "dispute letters". Most of the the time these are either completely ineffective or only effective for a month or two, and the items come back on. Our credit repair is done through a different method and the results are very fast, so you'll know quickly if it works.

Why is the cost of your credit repair higher than other companies?
Because it works and it's fast. Virtually no other credit repair company can do it in 1-14 days. And because it's being done by lawyers. A common ploy of scam credit repair companies is to charge a low fee and stretch it out for over a year. If the fee is monthly, their cost is actually a lot higher than it appears on the surface.

Are CPN's illegal?
Over 90% of the ones being sold are. This is because they are really someone else's Social Security Number. Based on our information, by law a CPN can be used legally for purposes of privacy or to for credit purposes. As long as it's used appropriately, you shouldn't have a problem. This answer is in no way to be construed as legal advice. You should consult your own attorney who specializes in credit or privacy issues for clarification.

How are your CPN's different and why do they cost more?
We obtain blank numbers directly from the SSA, age them accordingly, and then run them through all 3 software programs currently being used by the banks and bureaus for background checks. It used to be that the numbers were simply just "verified" as being a real SSN, but not so any more. Now they do an entire background check. Any and all information on a number comes up--like the real owner's name, address, DOB, etc. There are several steps and costs involved to get authentic numbers unlike the freebie bogus ones. Because ours pass all the actual software programs being used, we can guarantee them.

I've been burned before. How do I know my money will be protected?
We have, too. First of all, we do everything in our power to test each of our vendors before we make them available to our clients. Most of our products have a guarantee written in the contract, and we accept credit card payments. Most scam companies cannot accept credit cards, or use PayPal with intentions to weasel out of the disputes. If you're concerned about getting ripped off, always use a credit card. At the very least, you can always go back to your financial institution and have the charges reversed.

I heard the bureaus have made CPN's and seasoned tradelines obsolete.
They've made the bogus ones obsolete. They now run multiple checks from several points on all data being used to submit for funds. This has eliminated fake numbers as well as tradelines not in compliance. All of our tradelines are in compliance and do post. Many tradeline companies are struggling with this issue right now, as these changes are recent and most of them are not in compliance.

Do I have to change my Driver's License or legally change my name?
No, you do not. CPN's use your current, valid Driver's License. For a short time one method of obtaining a CPN was by legally changing your name and creating a new credit file, but that method has now been made obsolete by recent industry changes.

What if I have a CPN from somewhere else? Can you add tradelines and get me funded?
Because virtually all methods of obtaining a CPN have been made obsolete, it seems a waste of money and time to scan them for authenticity or to add tradelines to them anymore. We no longer offer this service.

What if I've gotten credit cards or funding on my former CPN? Surely that means it works. Can't you still get me funded with it?
Previously the banks simply "verified" the number. Another's person's SSN would pass this check (most previous "CPN's" were really someone else's SSN). Now they do full background checks, pulling up every bit of information connected to that number. So the number you previously used to get a credit card or a line of credit earlier this year will now be denied funding and red-flagged for fraud because of these changes.

Can I really still get funding with everything happening in the news?
Personal lines of credit are becoming extremely hard to get because of recent economic changes. There are a few sources left. All bank criteria has gotten extremely difficult to meet. This is why we insist on getting your credit report first--that way we can fix it to get you funded. Our largest funding sources are private money and corporate loans.

Why is it taking the banks so long to fund?
If you haven't been watching the news, many banks have gone bankrupt within the past few months and some large financial institutions have been taken over. The stock market has dropped 500 points in one day and, understandably, the banks are nervous. There are many extremely challenging issues they are facing now and they are being more careful than ever to offer smaller loans only to those most qualified. For this reason, we are stressing the importance of improving your credit, setting up a corporation, using private money where we can, and making sure you pay all your bills on time.

I heard shelf corporations didn't work anymore. Are yours real?
Previously there were true "shelf" corporations, meaning they had been shelved and were no longer active. At one time we could resurrect them and use them for funding. As banking restrictions have gotten tougher, the corporations now need to be "live" to work. The old method is obsolete. We use the new method and guarantee it will get funding.

Can a CPN be used with a shelf corporation?
We can still use a CPN as the guarantor for a corporation, but as soon as you can, clean up your SSN credit, because that might change in the future.

I don't believe any market investments are producing results right now.
This investment program is simply a referral to a company that has proven success. They are primarily trading in the oil and energy sectors. They will show you their actual track record of trades for nearly two years. It is up to you to research them thoroughly and decide what you feel comfortable with. We get approached with literally hundreds of investment opportunities annually and have found only a few of them to actually work. We're simply passing along this information to help you find the ones that work because we want to see you develop as much long-term financial security as possible.