START A NEW CREDIT PROFILE

Who can benefit from legally establishing a “Second Credit Profile” aka SCN Number?

Having a Second Credit Profile may be a good fit for those dealing with current credit issues or a previous eviction and need to get into an apartment or get utilities turned on, or things otherwise that require pulling your credit history to qualify. This is where having access to a “Second Credit Profile” can come into play.

"Who can benefit from legally establishing a “Second Credit Profile” aka SCN Number?"

Who can benefit from legally establishing a “Second Credit Profile” aka SCN Number?

Our team will set-up your second credit profile number; however, you will NOT have a credit score until you start establishing credit accounts under your new credit profile.

Benefits Of Getting An Scn Number:

  • Obtain an apartment in your name regardless of rental history, credit, or criminal record.
  • Buy an automobile and get the best interest rates and be able to go to ANY dealership.
  • Get cell phone service, electric, or any other utility bill in your name.
  • Obtain loans to start a business or to consolidate debt.
  • Obtain lines or credit and installment loans immediately.
  • Obtain credit cards and installment loans.
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Second Credit Profile

Establishing Primary Trade Line Accounts (0-3 Months)

In this stage it is very important to establish “Primary” Tradelines in your name underneath your new credit profile. These are accounts that you will establish in your name using your SCN number and new profile information. The credit card companies or banks that you set up an account with will report your payment experiences on your new SCN number to the major credit bureaus. It is also important that you do not utilize more than 30% of your credit limit on any approved credit lines that you receive. If you go over 30% of your approved credit limit you credit scores will drop lower. The objective is to keep your credit scores as high as possible at all times. You should always try and maintain your credit scores at 750 or higher.
  • You can apply for credit accounts
  • You can apply for a Secured Credit Card or Self-Lender Account
  • You can subscribe to our credit monitoring service to keep track of your new credit

Establishing Unsecured Credit Cards (Month 4-6)

  • We will walk you through applying for Unsecured Credit Cards
  • We will walk you through applying for Department Store Cards
  • We will walk you through applying for more "Primary Tradelines"

WHAT YOU CAN DO DURING THIS TIME FRAME:

  • Apply for funding up to $25,000.00
  • Apply for membership with various Credit Unions
  • Apply for an Auto Loan

WHAT YOU CAN DO DURING THIS TIME FRAME:

  • Apply for an Unconventional Loans
  • Private Money
  • Leasing

Private Coaching/Training

You can start making major purchases around 7-12 months of building on-time solid credit history.

Our Private Coaching Sessions will assist with finding lenders within our network along with learning all of the secrets to master building up your SCN Profile!

We help you with establishing positive credit history and accounts

We will walk you through filling out any online applications for credit We assist you with responsible account management guidance
We provided you with a 7-day FREE trial to our credit monitoring service.

We put your information on the Super Page Listing.

We do (6) reward cards and a Pre-Paid Visa Card under your new credit profile.

We will walk you through applying for “Secured and Unsecured” Credit Cards.

We will walk you through setting up an online bank account – Comes with ATM Card.

We teach you how to get the funding that you need as well as bank loans.

We provided you with customer service as long as you are a 750 Club Member.

We run your information through “ZABA Search” to index your new profile info deeper into the public database
  • We will generate your new SCN Number
  • We will submit your new SCN Number and Profile to all three credit bureaus
  • We will submit your new SCN profile information to various public databases
  • You can apply for an apartment
  • You can apply for utilities
  • You can apply for a cell phone

NOTE : DEPOSITS MAY BE REQUIRED AT THIS STAGE FROM THE CREDITOR OR LANDLORD

Client is reponsible for all 3rd party fees

Obtaining Secured Credit Cards (Revolving Account)

Generally, a security deposit is required in the amount of the credit line that you would like to establish. For example, If you put up a $200.00 security deposit for a Cap One Visa, Capital One would then issue you a “Secured” Credit Card (Secured by the $200.00 that you put up) Depending on the credit card issuer, your security deposit will be returned to you usually between 12-18 months, provided that you don’t go into default by not paying your credit line, then all or portion of your security deposit would be forfeited to satisfy what was owed. In addition to the security deposit some credit card company’s charge an annual fee anywhere from $49.00 – $150 per year.

Secured Loan (Installment Account, recommended for higher credit limits)

We will pair you with one of our affiliate banks that will allow you to take out a “Secured” loan in your name that will report to all 3 credit bureaus generally within 45-60 days. They have a one-time set-up fee of $12.00 + 12 payments of $48.50 per month. NOTE: You will receive the full of amount of the monies you’ve invested at of the end of the 12 months.

SSN – CREDIT RESTORATION

If derogatory information exists under your social security number, we have in-house credit restoration experts for an additional fee that can assist you with a tri-bureau credit sweep. Thus, removing derogatory items under your Social Security Number and placing positive information will rehab your original credit profile. Set Up a FREE, NO Obligation Credit Consult Today!

You will receive some decline letters via the tri-merge process of setting up your new credit profile. You should not apply for credit without consulting with our SCN Member Support Team first. You should also be aware that you cannot go over 30% utilization on the first credit card that we open. Use Passport or Drivers License with the updated home address when opening up a bank account or applying for an apartment. You are welcome to voluntarily participate in our “Credit Co-Op” in which you will be helping another member build credit by adding them on your credit card as an “Authorized User” In turn; another member will add you on to their credit card as an Authorized User. Member will NOT have access to your account or credit line. Our team will give you specific instructions and guidance at this stage. Use Passport when opening up a bank account or applying for an apartment. If you use your Driver’s License or State ID you must update it to the address associated with your new credit profile.
Who A CPN Is NOT For?
There is a combination of reasons some people should not get a CPN, whether it be from bad habits; ill intent; trying to get out of (or into) a situation, CPNs may do more harm than good.
People in a rush
  • Building credit takes time. When people rush, they generally make mistakes and with CPNs, that spells file merger and you wasting time and money.


    People trying to avoid their responsibilities
  • If you are trying to avoid paying your creditors, keep it moving. CPNs/SCNs aren’t for you. At least I don’t want to get you one. We have tools to handle debt collectors and get your old history back in good standing (check out our programs).


    People trying change their identities
  • A CPN is not a way to establish an alternate identity. That’s illegal. Investigations, court, fees and possible jail time may be in your near future.


    People not willing to change their old ways and learn
  • There is a very cliché quote floating around that states, “Insanity: doing the same thing over and over again and expecting different results.” Author unclear. This is your second chance at credit…get educated!


    Desperate people
  • When people make decisions out of desperation, it rarely goes as planned. CPNs are one of those choices you want to be level headed about.

Here are some examples of what an SCN Number “CAN” be used for:

  • APPLY FOR UNSECURED CREDIT CARDS
  • APPLY FOR LOANSAPPLY FOR AN APARTMENT 
  • DEPARTMENT STORE CARDS
  • ELECTRONIC STORE CARDS
  • GAS STATION CARDS
  • LINE OF CREDIT
  • AUTO FINANCING
  • EQUIPMENT LOANS
  • PERSONAL GUARANTEES
  • UTILITIES
  • BANK ACCOUNTS
  • MERCHANT PROCESSING ACCOUNT
  • CELL PHONE

Here are some examples of what an SCN Number “CANNOT” be used for:

  • TO APPLY FOR AN EIN/TAX ID NUMBER
  • TO APPLY FOR SBA LOANS
  • EMPLOYMENT
  • FILING TAXES/IRS
  • FHA/VA LOANS
  • STUDENT LOANS
  • DEFRAUDING CREDITORS
  • ANY GOVERNMENT AGENCY THAT REQUIRES YOUR SOCIAL SECURITY NUMBER

Description:

  • We submit your new credit profile to all threes credit bureaus
  • We index your new credit profile in public records
  • Second Credit Number (This is NOT a Social
  • Security Number or replacement for your Social Security Number)
  • This number can only be used for Credit Purposes Only!
Optional Private Coaching: Add Our SCN Support Coaching Sessions. Inquire for more details and pricing. 

SCN numbers are issued within 5-7 business days. This number can be issued the same day for an additional expedite fee of $50.00

Frequently Asked Questions

There are a number of reasons why an individual would obtain a Second Credit Number. The main two reasons are “Privacy” and a second chance to legally rebuild a strong credit profile.

It will be very important to pay all of your bills on time and keep a close monitor on your credit as you go through the building process.

Credit card approvals will range between $300 – $2,500 per creditor depending on the strength of your new profile and will report to all three credit bureaus within 30-45 days from opening the account. You will receive your first major credit card usually within 60-90 days.

In this time frame, all three of your credit scores will be over 700. At this point, you would simply just continue to maintain your excellent credit and build more history.The goal is for you to achieve at least a 750 credit score within 60-90 days which can be accomplished by maintaining all of the accounts that you open and not having too many inquiries on your reports. Additionally, by keeping your credit card utilization at 30% or below.

Keep in mind having excellent credit history and high credit scores over 700 has tremendous advantages especially if you are trying to finance something or need a loan.

It is your legal right to keep your Social Security Number private, and use a separate number for any credit related purposes. You are only required by law to disclose your Social Security Number to the Internal Revenue Service, your employer, when registering a motor vehicle, buying a firearm, or applying and obtaining a federally-insured loan such as FHA, Sallie Mae, etc. I encourage you to use the laws to your advantage. Each credit bureau works on a different schedule.

 

A secondary credit number (SCN) is a nine-digit number that has the exact same genetic makeup of a Social Security Number. Your financial information can also be reported under this number.

 

An independent third party.

 

No…definitely not! Our SCN are clean numbers that aren’t attached to anybody including the deceased, the incarcerated, and S.S.N.

 

We are a 100% legit and trustworthy company which has sold hundreds of SCN’s and has had no complaints from our clients. We use Cash App and Venmo the world’s largest online money transmitters to receive your payment.

 

No. Due to the loan being in your Social Security Number or EIN, it would have to be refinanced the same way.

 

Your credit profile will be blank. You will need to re-establish your credit by applying for credit cards and other lines of credit.

 

Yes, so as long as you never bounce a check or misuse the account in any way.

 

As soon as the SCN is received (24-48 hours).

 

It is your legal right to keep your Social Security Number private, and use a separate number for any credit related purposes. You can use the existing laws to your advantage for a change. Due to certain rights guaranteed by the (1974 US Privacy Act Title V), you have the right to keep your Social Security Number private and not be denied service due to your refusal. The credit bureaus are not government agencies, so you do not have to give them your Social Security Number. To answer the question, YES if used properly. Thousands of people have done it over the past 30yrs and continue to do so.

 

(a) (1) It shall be unlawful for any Federal, State or Local Government Agency to deny any individual any right, benefit, or privilege provided by law because of such individual’s refusal to disclose his or her Social Security Account Number.

The law states that No federal, state or local government agency may deny you any right, privilege or benefit due to your refusal to provide your SS # for any other reason than producing money for retirement account with the Social Security Administration, the IRS and your employer today.

Credit Bureaus are not legally allowed to “require” your Social Security Number. In our country’s present credit reporting system, a person may be assumed guilty and then must expend a great deal of time and resources to prove his or her innocence. Additionally, once a negative item is in a credit file it may remain long past the 7-year time period most people believe is used. Additionally, a misreported item can show up in a credit report multiple times.

When it comes to credit, banking and loans, there are two things you must know. The first relates to the law pertaining to the usage of your social security number as an identification tool. The second, credit bureaus are private companies and are not affiliated with the government in any way, whatsoever. Although, the credit bureaus would like you to think otherwise.

—What all this means is Federal Law protects those who do not wish to disclose their personal information (SS#) except when required to do so. All that to say: Instead of a Social Security Number, with the right planning, you now have the opportunity to establish a Credit Privacy Number (CPN/SCN), as it is your right to have one.

Typically it takes 3-5 business days, but no longer than 7 business days.

 

It is your legal right to keep your Social Security Number private, and use a separate number for any credit related purposes. You can use the existing laws to your advantage for a change. Due to certain rights guaranteed by the (1974 US Privacy Act Title V Click here to see), you have the right to keep your Social Security Number private and not be denied service due to your refusal. The credit bureaus are not government agencies, so you do not have to give them your Social Security Number. To answer the question, YES if used properly. Thousands of people have done it over the past 30yrs and continue to do so.

 

As mentioned earlier, you can use your new SCN Number for anything that would normally require credit reporting purposes. Use to get Bank Accounts, credit cards, personal loans, Auto loans, apartments, utilities, cable, cell phones, etc.

 

As mentioned earlier, you can use your new SCN Number for anything that would normally require credit reporting purposes. Use to get Bank Accounts, credit cards, personal loans, Auto loans, apartments, utilities, cable, cell phones, etc.

 

As soon as the SCN is received (24-48 hours)

 
  1. Orchard Bank www.orchardbank.com 
  2. LPC www.lowpaycard.com
  3. First Premier www.firstpremier.com
  4. Capital One www.capitalone.com
  5. Apex www.apexcreditservices.com

Pricing/Packages

Package 1

SCN LITE

$199.99 $ $99.99
  • SCN New Credit Profile - Number Only! Tri-Merge with all three credit bureaus
  • Today for only $99.99
New

Package 2

SCN ADVANTAGE

$299.99 $ $174.99
  • SCN Number, Tri-Merge Email Address, and a New Temporary Home Address.
  • Today for only $174.99
    • Bonus # 1 – Free SCN Instruction Manual
    • Bonus # 2 – Receive our list of banks that only do “Soft Pull” on your credit profile to pre-approve you.
    • Bonus # 3 – You will receive our proven guide 850 credit dispute guide
    • Bonus # 4 – Unlimited Email Support
Featured

Package 3

SCN Ultra 750+

$399.99 $ $274.99
  • SCN Number, Tri-Merge, Email Address, New Temporary Home Address, and Opt-in Pre-screening registration to receive automatic approval credit card offers.
  • Today for only $274.99
    • Bonus # 1 – We will give you our legal documents to add primary Tradelines up to 1M on your credit profile yourself.
    • Bonus # 2 – Download our list of credit unions anyone can join.
    • Bonus # 3 – You will receive our proven guide 850 credit dispute guide.
    • Bonus # 4 – Free SCN Instruction Manual
    • Bonus # 5 – Receive our list of banks that only do “Soft Pull” on your credit profile to pre-approve you.
    • Bonus # 6 – You will receive our proven guide 850 credit dispute guide
    • Bonus # 7 – Unlimited Email Support
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