Someone asked me recently what CPN stands for — they’d seen it pop up in a Facebook group about credit repair and weren’t sure if it was something legit. Short answer: it’s not. But it’s worth knowing what the term means and how the pitch works, because it gets recycled every few years and the framing keeps getting slightly more sophisticated.
People land on this question for an understandable reason. Someone’s told them a CPN will give them a fresh start — a clean credit history, no trace of the old one, a new nine-digit number to use instead of their Social Security number on credit applications. It sounds like a solution. I want to explain clearly why it isn’t, and why the people selling them are either misinformed or actively running a scam.
Continue reading “What is a CPN? (And why you should avoid it)”
If you’ve been researching how to build or rebuild credit, you’ve probably run into the word tradeline. What is a tradeline, exactly, and why does anyone buy one? I sell them, so let me give you the straight answer — without the hype that usually surrounds this corner of the credit world.
Continue reading “What is a tradeline? Answered by someone who sells them”
