The RAW Truth About CPNs, Tradelines and Credit Sweeps

Hey there, Yusheeka Gray here with DIY Credit, and I want to talk to you about something that's been coming up a lot lately, which is CPNs, tradelines and credit sweeps. Now, please know that I am always going to give it to you 100% real and raw. So by the time you're watching the end of my video, you will know exactly what to do.

You'll have enough information to make an informed decision as to whether or not these things are heaven-sent, or you need to run in the opposite direction. So first of all, CPNs also known as Credit Profile Numbers or Credit Privacy Numbers, and they're supposed to take the place of the social security number when you're filling out a finance application. So instead of you putting in the SSN, you put in the CPN. 

Trade lines. Tradelines are absolutely necessary in order to establish credit. We know that we have to have them. That's not the problem in and of itself. But the problem is when you purchase primary tradelines that come with years of history, also known as seasoned history attached to it, and you did not create the account yourself. 

Credit sweeps. Credit sweeps is a process where you actually claim identity theft on every negative item that you have on your credit report, and it requires you to complete a police report as well as an ID theft affidavit. Every last one of these things is unethical, and misleading, and could be considered as an intent to commit fraud because they're not asking you for a CPN number. They're asking you for an SSN. You did not establish that trade line, that primary trade line, if you did not actually incur identity theft, then you shouldn't be doing it. Also, if you get any results from any of this, it's going to be temporary, very temporary.

And every last one of them can land you in jail. So I hope that this is enough information to help you to determine whether or not it's heaven-sent or you need to run in the opposite direction. But if you want to do things the right way and you need help with your credit or to schedule a free victory consultation, click this link or give us a call, (803) 240-8344 or (903) 784-8100.

We would be happy to help you the right way. And I know all of these things personally from personal experience, so take it from me. Thank you so much for watching this video. I hope it's been helpful and I look forward to seeing you in another video. Bye for now.