A credit privacy number, or CPN, is a nine-digit identifying number similar to a Social Security number. A CPN is sometimes marketed to consumers with bad credit as a path to a fresh credit history. Companies offering CPNs say they can be used instead of a Social Security number on applications for credit.

Is it legal to use a CPN number?

The use of a CPN number with the sole purpose of hiding your credit profile could be construed as fraud, and therefore could be considered illegal. The CPN numbers they provide are often not legitimate. The numbers are typically random 9-digit numbers or social security numbers of children or deceased individuals.

What happens if you use a CPN?

But using a CPN can lead to much bigger problems than a poor credit rating. No matter how the CPN is obtained, using it on a credit application or anywhere else may be considered identity theft. In addition, lying on a credit or loan application or misrepresenting your SSN is a federal crime.

What to know when applying for credit for the first time?

Here are some things to keep in mind when you’re applying for credit for the first time. Each time you apply for credit, a record of the application is added as an inquiry to your credit report—a compilation of your credit history that plays a role in your ability to get approved.

What should I do if someone takes credit for my work?

Instead of making accusations, ask questions. This shifts the burden of proof to your colleague: he has to explain why he felt justified taking credit for the project or idea. “Research shows that it’s much better to ask why it happened than to make a claim,” says Uzzi. You say something like: How did you feel the presentation went?

What to do when someone steals your credit?

Consider the possibility that your credit-stealing colleague’s behavior might be unintentional. Or it might not be as egregious as you initially thought. Perhaps you remember that your boss did mention your name a few times during the presentation or recognize that your colleague was combining your brilliant idea with his.