We offer packages ranging from starter sets to premium accounts with high limits.
Whether you need one tradeline or a full package, we have solutions tailored for every client.
A CPN Tradeline Package is a credit-building service that combines two powerful tools:
CPN stands for Credit Privacy Number or Credit Profile Number. It’s a nine-digit number, similar to a Social Security Number, that is used to create a separate credit file. A CPN is also commonly referred to as an SCN Number (Secondary Credit Number), which is simply another name for the same type of identifier.
Tradelines are credit accounts that appear on your credit report. These accounts reflect your credit activity and can include a variety of types such as:
Each tradeline shows details like account age, payment history, credit limit, and balance. Accounts with a strong history—such as on-time payments, low balances, and high credit limits—can improve your credit score and strengthen your profile. However, tradelines also report negative information, including late payments, collections, charge-offs, or defaults if they exist on the account, which can lower your score and harm your creditworthiness.
When you put a CPN and tradelines together, you get a fresh credit file that already has positive history. This is much faster than starting with a blank credit report and trying to build it over many years.
Requirements for Obtaining a CPN Number:
To begin the process, you’ll need to provide:
These details are required to set up your new credit profile correctly so that the CPN can be registered and ready to have tradelines attached.
Our experts will review your goals, recommend the best tradeline packages, and create a customized strategy to put you on the fast track to success.
A typical CPN Tradeline Package includes:
Building a CPN Tradeline Package is a careful, step-by-step process designed to create a strong, positive credit profile from day one. We don’t just throw a CPN and tradelines together — each part of the process is done with precision to ensure maximum impact and lasting results.
We start by generating a unique, unused Credit Privacy Number that has been safe-scanned and skip-traced to confirm it has never been issued to anyone else. This clean slate forms the foundation of your new credit file. We also prepare the CPN so it is ready to be recognized by the credit bureaus, ensuring it can accept tradeline reporting immediately.
Not all tradelines are created equal. We handpick accounts with a long history of on-time payments, low credit utilization, and high credit limits — the exact factors that credit scoring models value most. The selection process is tailored to your specific goals, whether that’s improving your score quickly for an upcoming loan, qualifying for a lease, or securing better credit card offers.
Once the tradelines are selected, we coordinate with the account holders to have you added as an authorized user. This step is crucial because it’s what transfers the positive history of the account onto your CPN’s credit profile. Think of it as renting the primary account holder’s great credit history—their years of on-time payments, account age, and high credit limit instantly become part of your record. The moment you’re added, that entire history is reported to your CPN, helping you build a stronger credit profile almost immediately.
Through our Tri-Merge process, we ensure your CPN is set up with Experian, Equifax, and TransUnion so that every tradeline reports across all three bureaus. This maximizes your credit profile’s strength and ensures lenders see the same positive information no matter which bureau they check.
We don’t stop once the tradelines are attached. Our team actively monitors the posting process, using recommended credit monitoring services to confirm that each tradeline is showing correctly on your CPN’s credit file. If any adjustments are needed, we address them immediately to keep your credit-building plan on track.
By following this detailed, methodical approach, we’re able to create CPN Tradeline Packages that don’t just work in the short term — they give you a solid credit foundation you can continue to build on for years to come.
Many people turn to CPN Tradeline Packages for a fresh start or to speed up the credit-building process. Here are some common reasons:
A CPN on its own is just an empty file. Without payment history, lenders have nothing to base their decisions on. Tradelines are what give that file substance and credibility.
When you add a seasoned tradeline to a new CPN:
Think of it like a job application: without experience, it’s tough to get hired. But when your resume shows years of proven experience (provided by tradelines), employers — or in this case, lenders — are much more likely to approve you.
Full Support –Our team guides you through the entire process, from your initial consultation to the successful posting of your tradelines, and continues to assist you in maintaining your credit profile. Whether you’re starting a new profile or enhancing an existing one, our tradeline packages are designed to deliver results. Each package includes options such as primary tradelines, one tradeline for targeted boosts, and comprehensive tradelines reports to track your progress. We ensure that every step, from verifying your social security number to adding quality accounts, is handled with precision so you can fully benefit from our tradeline packages.
Full Support –Our team guides you through the entire process, from your initial consultation to the successful posting of your tradelines, and continues to assist you in maintaining your credit profile. Whether you’re starting a new profile or enhancing an existing one, our tradeline packages are designed to deliver results. Each package includes options such as primary tradelines, one tradeline for targeted boosts, and comprehensive tradelines reports to track your progress. We ensure that every step, from verifying your social security number to adding quality accounts, is handled with precision so you can fully benefit from our tradeline packages.
We started in 2006 with a single mission — to give people a second chance at creditworthiness. In our early years, we focused on traditional credit repair, but when the 2008 housing and market crash hit, we adapted. We integrated CPN Numbers and Authorized User Tradelines into structured, results-driven packages that gave clients a faster path to recovery.
Through the 2010s, we refined these packages, ensuring they met strict reporting standards and delivered consistent results for clients across the country. Then in 2020, as COVID-19 disrupted lives and financial stability, we once again evolved our services — introducing faster turnaround times, more affordable entry options, and targeted recovery strategies to help people rebound quickly.
Today, our CPN Packages are widely recognized as some of the most effective and reliable credit-building solutions in the United States, trusted by individuals from all walks of life to help them achieve financial freedom.
Monitor Your Credit – Tracking your progress is key. We’ll recommend the best monitoring tools and show you what to watch for so you can keep building momentum toward your financial goals.
CPN Packages give you the chance to start fresh, improve your credit quickly, and open doors to better financial opportunities. By combining a new CPN with strong tradelines, you get an instant credit history that can help with approvals, lower interest rates, and overall financial freedom.
With the right guidance, these packages can be your shortcut to the kind of credit profile most people take years to build. If you want a second chance at great credit — and the benefits that come with it — a CPN Tradeline Package could be the smartest move you make this year.
A CPN Package is a bundled credit-building solution that combines a Credit Privacy Number (CPN) with Authorized User Tradelines to create or strengthen a credit profile quickly. The CPN serves as the base — a fresh credit file not tied to your current credit history — while the tradelines provide immediate positive credit history, such as years of on-time payments, low balances, and high credit limits. Together, they give you a powerful jump-start toward meeting credit requirements for housing, auto financing, personal loans, and more.
An authorized user tradeline is an established credit account—most often a revolving credit card—that allows another person to be added as an authorized user through a process known as piggybacking. Once added, the account’s history, including its age, credit limit, and payment record, appears on the authorized user’s credit profile. This strategy can strengthen credit histories, help recover from bad credit, and often boost credit scores in a short period of time. Many clients combine authorized user tradelines with tradeline packages to maximize results, improve approval chances for loans, credit lines, and reduce the impact of negative public records.
A seasoned tradeline is a credit account—normally a credit card account—that has been open and in good standing for an extended period, typically two years or more. These accounts have a consistent history of on-time payments, low utilization, and high limits. The “seasoning” refers to the account’s age and reliability, making it highly valuable for credit-building purposes. Many clients pair seasoned tradelines with primary tradelines to diversify their credit mix and strengthen approval odds. Our tradelines reports show how adding these accounts can impact your file, whether you are building from a new profile or recovering from past credit challenges.
Seasoned tradelines are often acquired through piggybacking, where clients are added as authorized users to well-maintained accounts, frequently issued by established credit card companies. This method allows you to benefit from the account’s positive payment history without waiting years to build it yourself. By connecting your file to accounts with strong credit histories, you can improve your standing with lenders and credit card issuers. While they cannot replace your Social Security Number, seasoned tradelines can work alongside your existing credit to enhance credibility and open doors to better financial opportunities.
The process starts with issuing a verified, unused CPN number. That CPN is then registered with the credit bureaus so it can accept reporting. Next, selected seasoned tradelines are attached to the CPN file by adding the CPN holder as an authorized user. When the creditor reports to the bureaus, that tradeline’s entire positive history appears on the CPN’s credit report, creating a strong profile in a fraction of the time it takes to build credit organically.
No. Employers who run background checks will require your SSN, not a CPN. A CPN Package is strictly for certain credit-related purposes and will not replace your SSN for employment verification.
No. Federal background checks require your SSN and legal identity. A CPN will not substitute for federal clearance, security checks, or any government-related verification process.
An Employer Identification Number (EIN) is issued by the IRS for business tax purposes and is often required when opening business bank accounts or establishing a new credit profile. You can obtain an EIN without a CPN number, as the IRS typically requests your Social Security Number (SSN) for verification. While a CPN can be useful for certain credit-related purposes, it should never be used in place of an SSN when applying for an EIN. Using the correct identification ensures compliance, protects your file from issues, and keeps your personal and business credit separate.
No. Taxes are reported and paid using your Social Security Number (SSN) or Employer Identification Number (EIN). A CPN number cannot be used for tax filing or payment because it is not issued or recognized by the IRS. Only government-issued identifiers, such as your SSN or EIN, are valid for meeting federal tax obligations.
Yes, in some cases. Many landlords and property managers run credit checks as part of the home rental application process. If they accept applications using a CPN number, pairing it with seasoned tradelines or primary tradelines can greatly improve your chances of approval by showing a strong credit profile and positive credit histories. Our basic CPN package even comes with a starting credit score of 700, giving you an immediate advantage. Adding quality accounts through authorized user tradelines can further strengthen your file. Always confirm with the landlord or leasing agent whether they allow applications with a CPN before applying.
Yes—if the lender accepts applications with a CPN number. When paired with authorized user tradelines, a CPN can help you secure better terms, lower interest rates, and higher approval odds compared to starting with no credit history. Many clients enhance their CPN by adding seasoned tradelines or primary tradelines, creating a strong credit profile that appeals to auto lenders.
Depending on the value of the car you’re purchasing, we can recommend the best CPN package or even build one specifically to fit your needs. Our packages start with credit scores of 700, but with the right combination of tradelines, they can reach as high as 825—giving you the strongest possible position for auto loan approval.
Sometimes. Certain banks and credit unions run credit checks before opening new accounts. If they allow CPN use, a strong credit profile can improve your odds. However, not all financial institutions accept CPNs for account opening — you must confirm beforehand.
Yes—when applying with lenders that allow CPN numbers, this is one of the most popular and effective uses of a CPN package. Our CPN packages are designed to give you a strong starting point by providing a clean, skip-traced CPN number paired with carefully selected seasoned tradelines. This combination can instantly boost your credit scores, build a solid credit history, and position you for higher-limit credit cards right from the start. Each package is tailored to your goals—whether you’re aiming for basic approvals or premium credit products—and can be customized with additional primary tradelines to further strengthen your profile.
If you’ve been denied credit before, a properly structured CPN package can help by creating a credit-ready file that reflects responsible financial behavior, such as paying bills on time. For those starting fresh or rebuilding, we often recommend beginning with secured credit cards or starter credit cards. These accounts help you establish new positive history and can graduate into unsecured, higher-limit cards as your file matures.
We also advise buying tradelines from trusted sources that follow the Credit Repair Organizations Act to ensure compliance and safety. This approach can accelerate your ability to repair credit and achieve good credit faster. Checking your credit report regularly is key to tracking progress and ensuring your file remains in optimal shape for future approvals.
Owning and using a CPN is not inherently illegal — the legal issue lies in how it’s used. It must never be used to misrepresent your identity, defraud lenders, or bypass legal requirements. Always use a CPN ethically, for legitimate credit-building purposes, and with full disclosure where required.
We recommend using a reputable tri-merge credit monitoring service that pulls from all three major bureaus: Experian, Equifax, and TransUnion. This will allow you to confirm that your authorized user tradelines are reporting correctly across all credit files linked to your CPN.
Our experts will review your goals, recommend the best tradeline packages, and create a customized strategy to put you on the fast track to success.
