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THE FBI:  "CPN'S ARE LEGAL !"

SAYS:      Credit Privacy Numbers (CPNs) are nine-digit file numbers that follow the same algorithm as Social Security Account Numbers (SSANs). Currently, federal law allows individuals to legally use CPNs for financial reporting and protects those individuals who do not wish to disclose their SSAN.  *Individuals who acquire CPNs are completely responsible for any debt they incur using this number.

FREDDIE MAC:  "CPN'S ARE LEGAL!"

SAYS:      The CPN is a nine-digit identification number that looks like a social security number (SSN) and may be used in lieu of an SSN, for such purposes as obtaining credit.

One has the legal right to keep his/her SSN private. In certain circumstances, consumers are required by law to disclose their SSN, such as to the Internal Revenue Service, employers, when registering a motor vehicle, buying a firearm, or applying for a federally insured loan. In other circumstances, federal law allows consumers to legally use a separate identification number, hence the opportunity to establish a CPN for a credit file.  CPNs are commonly used by celebrities, members of Congress, and witnesses protected by the federal government to help protect their privacy and security.

CPN ARE LEGAL

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