Lady Bee CPN Guide
Lady Bee CPN Guide
Welcome to the Bianca's CPN creation program. In the next few minutes we will teach
you everything you need to know about CPN numbers, and how to get your own for
absolutely free. There is no gimmicks or catches. You are not required to purchase
anything else.
Please remember the following before continuing.it’s creators, partners and vendors
are not liable for use of this information. This information was designed for
educational purposes.
 does it’s best to update this program. We ask that if something in this process were to
stop working that you contact us immediately so that we may address your concern.
You are entitled to lifetime updates of the CPN program.
We kindly ask that if you have any problems with this program you contact us right
away. You have a 30-Day Money Back Guarantee. If we cannot definitively address
your concern quickly, we will refund your full purchase price.
We offer 24/7 Chat and email support. Please note, our overnight chat team is not
able to handle technical questions. They are available to help you with download
issues and basic help. If you have CPN related questions please email:
rileybiancaa@gmail.com
Kindly note, we cannot complete this process for you. You must follow the easy steps
below. We can help you by answering any relevant questions you may have. We want
to make sure everyone get’s the information they need to complete the process fast.
1|Page
                   Table Of Contents
IMPORTANT LINKS……………………………………………………………………………….…1
INTRODUCTION………………………………………………………………………………..…….1
TABLE OF CONTENTS…………………………………………………………………….………..2
   •   Basics………………………………………………………………………….…….…..……3
   •   Are CPNs Legal?…………………………………………….…………….……..…………4
   •   Overview.….…………………………………………………………….……………………5
   •   Generating Prefix……………………………………………………….……………………6
   •   Generating Last 4………………………………………………………….………...………6
Rental Trade-lines……………………………………….………………………………………....17
Authorized Users…………………….…………………………………….…………………...18-20
IMPORTANT LINKS
2|Page
                         Section 1 CPN Information
The first thing you need to do before creating a CPN Number is clearly know what it is. This will
save you a lot of time and headaches in the future.
What is a CPN number? A CPN Number is a 9-digit number similar to an SSN number. The
difference is a CPN Number is only for credit reporting purposes. You cannot use this number
for anything besides reporting credit. It will not pass full background checks, or permit you to use
it to report taxes, establish an EIN or open a traditional bank account.
The main function of your SSN is tax reporting. That is why the government gives you this
number at birth, to track your taxes. Banks and financial institutions took it upon themselves to
start tracking your information via your social security number. Even though that is not what it
was designed for. You can report taxes, pass backgrounds with your SSN.
So, how can it benefit me? Since CPN numbers are for credit reporting purposes hence the
name (CPN, Credit Profile Number). You can build a credit report apart from your SSN number.
This will allow you to obtain new credit while resolving the issues on your own credit report. This
should always be used as a temporary solution. Repair your own credit if possible, always.
These are the things can and cannot do with a CPN Number
You Can
   • Obtain Credit Cards
   • Obtain Store Card
   • Obtain Personal Loans
   • Rent an apartment
   • Purchase a car
You Cannot
   • File Taxes
   • Open A Bank Account
   • Pass Background Checks
   • Obtain FDIC Insured loans
   • Obtain Department of Education Loans
   • Use as your SSN for any purpose other than credit
As long as you are not attempting to defraud a financial institution you are good to go. Please
make sure you keep in mind you are liable for the debt incurred on your SSN and CPN equally. If
you are found to be using a CPN Number for unlawful proposes you can be in a heap of trouble.
3|Page
Are CPN Numbers legal? As far as federal law is concerned, CPN Numbers are completely legal.
Everyone who has ever heard of a CPN Number has a very loud opinion about this. You can
easily find 100+ online rants about how CPN Numbers are illegal. But they all share 1 thing in
common no one provide proof or cites a single law saying so.
1.32 Use and disclosure of social security numbers. (a)In general. An individual shall not be
denied any right, benefit, or privilege provided by law by a component because of such
individual’s refusal to disclose his social security number.
Basically, means you cannot be denied credit or any privileges because you refuse to provide your
social security number.
Social Security Numbers are designed for tax reporting purposes only.
Private companies including banks, financial institutions and consumer reporting agencies such as
Equifax, TransUnion, and Experian have taken it upon themselves to use your social security
number to track your financial history.
They have done this because congress has failed to enact new credit reporting laws since the
1970 FCRA (Fair Credit Reporting Act) when credit was not as prolific as it is now.
The 1970 FCRA also paved the way for the CPN loop hole. Where you can create a secondary
number for credit reporting purposes.
The government has been using CPN numbers for decades, that’s how they protect the financial
information of thousands of high-ranking government employees. Artists and athletes also use
them to protect their identity from being stolen.
FACTS
● Creating a good CPN number is easy but takes some practice and patience. You may need to
try 2-3 times to get a 100% working number.
● A New CPN number carries no credit score whatsoever. You have to build it just like you would
an SSN credit report. It can take up to 2 years to mold a perfect CPN number.
4|Page
How do you create a CPN Number? A CPN Number is a legal loophole. It is where the law allows
you to not provide your SSN to anyone else other than law enforcement, and for taxes. And since
credit bureaus, banks and the rest of the financial institutions are not government owned insured
or funded you are good to go.
What you will be doing is creating an alternative credit profile. The way we do this is by making
what is called a CPN Number, using specific numbers that are not being used as social security
numbers.
These may be numbers reserved for future use or not issued as an SSN.
Some people refer to CPN Numbers as validated because they have been issued as SSN’s. I do
not recommend anyone use these types of validated numbers. We will provide you with working
numbers below. But it is ultimately up to you to use the process below to check your number.
After you choose your number it will be time to check the number is valid as a CPN and clear of
use as a SSN. This is a quick 2 step process should not take you more than 5 minutes.
Once you have your clear number, we will create a registry with the credit bureaus to put your new
CPN number on file with your name date of birth and address. This is also known as Tri-merging.
After tri-merging your CPN number we will build you a public profile. This is important because
banks not only look at your CPN but, they want to see public records with your information
matching your CPN address.
After that, it is time to apply for your first account. This will be where you know if your CPN number
is ultimately good or not. But, don’t be discouraged if you fail your first attempt. It usually takes 2-3
attempts before you have a good and working number ready for credit.
Once you have applied for your first account it will be time to register for a credit monitoring
service to track your CPN Numbers progress.
After that we will show you how to further strengthen your CPN through additional public records
and how to successfully build out your CPN using 1 of 2 methods we recommend.
If you have any questions remember we offer 24/7 Support. Fee free to contact us with any
specific questions or concerns that you may have. We will do our best to assist everyone.
5|Page
                           Section 2 Making Your CPN
In order to generate a valid CPN we will need to do 2 things. Pick a working set of prefixes and
then generate the last 4 digits. The prefix is the first 6 numbers of your CPN Number. Pick one
from the provided list below and write it down.
https://d2saw6je89goi1.cloudfront.net/uploads/digital_asset/file/597167/CPN.csv
MAKE SURE TO WRITE DOWN THE FIRST 6 DIGITS YOU PICKED.
Please note: You may need a spreadsheet reader. You can use google sheets for free.
https://docs.google.com/
FAQ:
If there is no number for your state use either the state you were born in if other than your current
state or your closest state to your current location.
Now it’s time to generate the last 4 digits of your CPN Number. We normally recommend you use
the first 2 and last 2 numbers of your date of birth as the last 4 digits of your CPN Number.
Example if your date of birth is June 19 1988 your last 4 digits would be 0688.
You should now have a 6-digit prefix from step 1 and the last 4 digits from step 2. You now have a
full 9-digit CPN Number. And it is time to move to the next section which will be checking your
CPN for validity and making sure it has not been issued as a SSN.
6|Page
                            Section 3 Setting Up CPN
The first thing you will want to do is check your number meets the standards of a CPN number. In
this step we will be checking a few things at once. Making sure your number was not previously
issued as an SSN and or is not the SSN of a person who is deceased.
https://www.ssnvalidator.com/
Enter your CPN Number on their main page, accept their terms and conditions and submit.
7|Page
This is the type of results you want to generally see. As long as the results do not mention an
Approximate date of issuance or a Death Masterfile record your number is a good CPN candidate
Assuming you found a number with no approximate date of issuance or Death Masterfile record
you may move to the next step. If your number has an approximate date of issuance or a Death
Masterfile record it will not work as a CPN Number.
In this step we will check that the number has not been issued as an SSN or is being used by
anyone else as a CPN. This might be a bit of hit or miss since so many people make CPN
numbers and these websites take days or weeks to update their records.
https://www.ssnregistry.org/validate/
You will want to see a red result that says INVALID SSN
If the search comes up valid, you should use the first and second steps again to change your
number out for a different one.
If your number comes up invalid then you are free to move to the next step.
8|Page
Step 4. New Address
It is crucial to understand that for this process to work you need to have an address not linked to
you in any form or fashion. If you use an address where you have previously received mail, paid
utilities, mailed packages you risk merging your CPN with your SSN rendering your CPN obsolete.
You should always setup a temporary mailing address when setting up a CPN number. It is very
important unless you have various addresses not liked to you at your disposal. We know the CPN
is clear from being an SSN but, we are still not sure if it is not being used as a CPN Number.
You will want to setup a temporary mailing address in order to tri-merge and test your CPN before
applying your permanent CPN address. This will allow you to not waste the address you want to
use on a CPN Number already being used by someone else.
Filter the search for rental properties. Pick a home that is currently for rent.
Copy the address. We will be using this as a temporary test address for your CPN.
Don’t worry this is only temporary. We will be removing this address at the end of the
course and replacing it with whatever address you want that is not linked to you.
Make sure to pick an address for a home not an apartment. If you need to choose an apartment
address for this process make sure you choose the correct apartment number as shown in the
Zillow listing. Make sure you write this down along with your CPN Number.
You will also need to have a new phone number. The easiest thing to do is go to:
https://voice.google.com and sign up for a free account. Use your current number as the
forwarding phone number. This will not be reported to anyone so no risk of linking your files.
9|Page
Step 6. Adding Personal Info To CPN
In this step we will be creating a new credit file with the credit bureaus.
This will add your name, date of birth and address to your CPN Number.
You will first want to make sure you have all the following information before starting.
   •   CPN Number
   •   New Address
   •   New Phone Number
The way you will be creating a credit file for your CPN is the same way a credit file is created for
your SSN. You will be applying for 2 cards. We want to get declined for both of these. They will
automatically create a credit file on each credit bureaus and add the appropriate inquiries.
The information you enter on these applications will be exactly what appears on your new credit
reports. So, make sure in each one you put your exact name, date of birth, temporary mailing
address and new phone number. It is also advisable you create a new email address.
You can use your own employment information and income. You can also say that you are self-
employed and provide them any information you want. If you need paystubs to backup your
application visit: https://www.pstub.com. You can purchase paystubs for as little as $4.99 each.
You will start by applying to the following cards with your CPN and temporary mailing address.
Next Section will be testing your CPN Number is not being used by someone else.
When complete the above steps please wait at least 2 hours before moving to section 6.
10 | P a g e
Step 7. Testing CPN Is not in use
In this step you will be doing some test applications to see if your CPN Number is working
correctly and not being used by anyone else as a CPN Number.
You will want to apply for 3 accounts. Please pause 30 minutes between each application and do
them in order.
We only expect you to get approved for 1 of the following accounts. In some cases, you may be
approved for 2 or 3.
https://secure.mdg.com/Application.aspx?
This is MDG it’s like HSN and QVC. You can use the cards to purchase things from their website if
approved.
Second:
https://www.capitalone.com/credit-cards/platinum/
This is a Capital One Platinum Card. If approved it can give you from $300-$500 limit on a visa
card.
And Last:
https://apply.roadloans.com/
This is Road Loans, if approved you can receive up to $30,000.00 Auto loan.
Please note: If you are not approved for any of these accounts there is something wrong with
your CPN Number or someone else is already using the number as a CPN Number. If this is your
case, start from the top of section 2 again. You will need to make a new number and test it again.
Make sure to use a new address, phone number and email using the temporary mailing address
technique above.
11 | P a g e
Step 8. Credit Monitoring
In this step we will be setting up your credit monitoring. It is very important to note that you may
face verification randomly with any of these. That is the reason we offer you 3 options. If you have
done all the above steps correctly you should be able to fly right through this step.
   •   Credit Karma
       https://www.creditkarma.com/
   •   Credit Sesame
       https://www.creditsesame.com/
Remember we give you 3 option because anyone of them may randomly require you to send them
proof of identity such as ID. If that happens just skip to the next one.
Once you are verified and inside one of these free credit monitoring services you will notice
something right away.
This is completely normal. Remember you recently set up this CPN Number and no payment or
account information has been added to your credit report yet.
Once you get to the building history part of the CPN Number program we will worry about this.
That is a few pages below.
At this point you have a fully built CPN Number with Credit Monitoring. But we still have to do a bit
of work to get this working the way you expect it to.
12 | P a g e
Step 9. Forwarding Temp Address
If you are on this step it’s because you were approved for one of the above accounts.
If you were not approved for one of the above accounts you need to try again. Chances are
someone is already using the number as a CPN Number.
First go to:
https://moversguide.usps.com/mgo/disclaimer
Enter your temporary CPN address and the final forwarding address. Make sure this final mailing
address or where you will actually receive your mail that is not associated with you in any form or
fashion.
We will be updating to this address on the credit bureaus also. That will be a bit further down in
the process.
You need to complete this section only if you are using a temporary mailing address as
suggested above.
This is important because since you were approved for one of the above accounts you will be
receiving mail from the lender or company.
Remember a few steps below we will be revisiting the address part of this process. Where we will
actually be updating the credit report to reflect the mailing address you choose.
This is just to get your mail moved away from the temporary address before we update your
address on the credit bureaus system.
13 | P a g e
Step 10. Public Records
Now it’s time to setup your public record. This will cement your CPN number and allow you to do
much more.
It will also be the first step to changing your address on the credit bureaus system.
If you forgot why we are doing this, it’s to allow testing on your CPN without wasting your
addresses.
First go to:
www.listyourself.net/ListYourself/listing.jsp
Once on the page, enter your CPN information. Use the address you will be keeping
permanently.
The public record will give you an added boost when applying for cards and loans later on.
DO NOT USE YOUR FORWARDING ADDRESS IN THIS STEP. USE THE ADDRESS WHERE
YOU ARE FORWARDING AND PICKING UP MAIL, NOT ASSOCIATED WITH YOU!
    •   Validated
    •   Tri-merged
    •   And tested
    •   A clean forwarded address
    •   New phone number
    •   You should have forwarded your mail to the permanent address
    •   And have filled the public records page with your permanent address
If all of the above is true you can move to the next and final step of setting up your CPN Number.
14 | P a g e
EXTRA RESOURCES TRY TO COMPLETE AS MANY OF THESE AS POSSIBLE
You don’t have to do all of these or right away, but it’s a good idea to make your
number stronger.
These do not report to your credit. They simply make your public record stronger.
Your public record is a very important part to getting approved for high balance cards
and accounts in the future. As stated above you do not have to do them all. Do
whichever ones you want. It’s up to you. But, the more the better.
15 | P a g e
Step 11. Update address on credit file
The way to do this is just like Step 6. Adding your information to your CPN. You will just need to
do a single application this time. This will send an instant notification to the credit bureau to add
your permanent mailing address to your credit report.
Apply for:
https://www.americanexpress.com/us/credit-cards/card-application/apply/platinum-delta-skymiles-
credit-card/25330-64-0?pmccode=142&cr=0.0153754071&intlink=US-Acq-Shop-Consumer-VAC-
Prospect-Apply-DeltaPlatinum#/
We are not looking for an approval here. Just using Amex as a means of transmitting information
to the credit bureau.
Make sure you DO NOT USE your temporary forwarding address here. The point of this step is
to update your address on the credit file.
Use your permanent mailing address that is not associated with you as explained before.
You have a few options to boost your new CPN Number’s score and be able to apply for other
cards.
Your first option is to build your CPN Number like a traditional credit file. By applying for secure
cards or having a co-signer help you obtain cards and loans while you build history.
The other option is to add trade-lines to your CPN Numbers credit file. Below we will give you 2
methods from our CP Trade-lines program which teaches you how to add PRIMARY TRADE-
LINES on to any credit report.
16 | P a g e
            FREE BONUS STRAIGHT FROM THE CPtradelines.com Program
 Remember there are 6 other methods in the Primary-Trade-line program that can help you add
                 Primary Trade-lines to any CPN Number or Credit Report.
This method is a great choice for a new CPN, or someone looking to rent a new home or apartment
after credit repair. The companies below can post up to 2 years of rental history on your credit report.
This is definitely one of the tradelines that will impact your score the most.
Normally these trade-lines post to 2 credit bureaus. Transunion and Experian. They may soon
update to also report to Equifax. These accounts are great for building your score and getting you
approved for smaller cards and apartment rentals.
Before starting there is a couple of things you should always remember. The companies providing
rental trade-lines are not in the business of selling “Trade-lines”. They are in the business of
reporting rent. So, don’t email them asking about their tradelines.
You will also need to gather a few documents to make this work properly. A lease agreement for
your state will be required. We offer a copy of a Georgia lease agreement below for reference. To
find a lease agreement for your state simply go on google and do a quick search by typing
“YOUR STATE Lease agreement”.
You will also need a friend to help you on this method. They will be acting as the landlord when the
company calls to verify your payment history. You can opt to use your real landlord but, that depends
on your specific situation.
When picking an address for your lease agreement make sure you know the actual home owners
name. That is the name you will need to put in the lease. That is the name they will call your friend
by when doing the phone verification.
Make sure your friend or landlord know they will be calling. And make sure they have read the lease
agreement so everyone is on the same page. The call will be quick and will go something like this.
“Hi this is James from rental report. We are calling to verify rental information for one of your tenants.
How long has ETC been living at ETC. How much rent does he/she pay? Have they ever been late
on their rent?”
Once the verification process is done you can expect to see the trade-line report in your credit file
between 20-30 days later. This will increase your score by 50-100 points depending on how much
you reported you pay per month and if you choose to send in more than 1 lease.
17 | P a g e
Method 2. Authorized Users
Authorized users are by far the most used instruments to improve credit. They are easy to
purchase; you don’t have to worry about any paperwork and you know exactly what day it will
post. All of these conveniences do come at a cost.
Authorized users are accounts that belong to someone else. This person will add you as an
authorized user on their account. Also known as “Piggy Backing”. These accounts are only
temporary on your credit file. So, make sure you are ready to apply for whatever you want when
adding this type of tradeline to any CPN or Credit report.
       MJtradelines.com
       TradeLineSupply.com
       PersonalTradelines.com
All you have to do is call them up and ask what is available. Make sure you only buy accounts
that have at least 2 years of history. And only get cards that have posting dates close to each
other. This will give you time to apply for whatever you are trying to do. Remember these
disappear 30 days after they first report.
Most authorized users will post to CPN numbers. Some specific cards may not, and they may
ask for a copy of your SSN card. Check with the vendor you choose before purchasing any
lines. Make sure you know the exact date it will post, the balance and the time open.
For a new CPN or a clean credit file, we recommend that if you choose this option you buy
authorized users using the formula below. But, it will all depend on exactly what you want to do.
So, let’s say you want to purchase a new vehicle, get a personal loan or apply for whatever type
of lending you want, with a low interest rate. You have a new CPN or a credit file that has no
history or very little. You will want to have at least 30% of unused credit vs what you are
applying for. For example, let’s say you want to buy a $40k vehicle or apply for any $40k loan,
card etc. You should purchase authorized users that will amount to 30% of the loan amount or
about $12k of authorized users. So, for example you can use something like this.
Authorized Users:
Barclays: Limit: $6500
Capital One: $4000
Chase: $2500
____________________________
Total Limits: $13000
This is the recommended formula you use when buying authorized users. You can always
purchase more than you need but, never less than 30% of what you are applying for. Like this
18 | P a g e
when you apply for a loan or card banks will feel like you are getting credit because you want it
and not because you need it.
Always make sure you check the cards do not have over 10% Utilization. Utilization means the
amount of money being used from the actual limit. So, a $5000 Card cannot have more that
$500 spent on it in order to boost your score. Cards with a higher utilization may actually hurt
your ability to gain new credit.
Also make sure you know the posting date of the card. This is important because Authorized
users are temporary accounts that will last 1-2 months on your report. So, knowing the days
when they will post is crucial. You don’t want to get cards that post far apart from each other
All authorized user accounts are linked to the original card holders address. It is advisable if
possible, to purchase all your lines from 1 person or company. And make sure most if not all of
the lines you purchase are registered in the same address. You may need to file a dispute with
the credit bureau a few years down the line to have this address removed from your consumer
credit report.
It is crucial that you are 100% ready to apply for whatever you have in mind by the time you pay
for the authorized user accounts. Remember these are temporary listings on your credit report.
Also, good to know is that if the card owner ever defaults on their account the credit bureaus are
not allowed to post any adverse information on your credit file. So, you are free of liability.
FAQ: https://cptradelines.com/faq
You can report 2 years closed. As in 2 years of paid rent on time verified through a lease and an
open lease where you have been paying 7+ months.
Here are the companies offering this service right now. Please note doing a quick google search for
“report rent to credit” will give you an updated list of companies offering this service.
   1.   https://rentalkharma.com/
   2.   https://www.rentreporters.com/
   3.   https://rockthescore.com/
   4.   https://creditrentboost.com/
19 | P a g e
Pick any 1 of the above companies and do your research on them before starting.
Check what bureaus they are currently reporting to, and their reporting fees.
Step 3.
Fill in your lease or leases carefully. If you want to have closed paid as agreed accounts, remember
you need to send in a lease that is back dated. If you want a current open account you need to send
in a lease that is at least 7 months old. You can also do a mix by purchasing both. Up to 24 months
back dated and a current lease. Please see sample lease below.
Step 4.
Call your friend/landlord and let him know what you will be doing. And explain someone will call him
about verifying your rent. Make sure he knows the amount, the date you moved in etc. If you choose
to use a friend that is fine also. Just make sure he uses the name of the actual landlord of the
property you are putting as your residence in the state lease agreement.
Step 5.
Call the rental reporting company you choose. Let them know what you wish to report and go
through their process. They will ask you to email them your lease or “Leases”. After they receive
your payment, they will contact your landlord/friend. Remember he needs to be “The Home Owner”.
Once verification is complete you can expect to see your trade-line report in 20-30 days.
Make sure you ask the vendor for the exact posting date of each account.
20 | P a g e
That is all you need to have a perfect CPN Number. Keep in mind it is best to add as many forms
of trade-lines to your CPN number to get your score up as quickly as possible.
You can reuse this information to make thousands of dollars per month.
Did you know the normal selling price of a blank CPN Number without tri-merge or public record is
between $150-$300 depending on the source?
Single trade-lines created with our trade-line methods can be sold for $600+ Each.
If for any reason you don’t think it’s worth 5 starts click the contact link above to let us know.
____________
21 | P a g e
Here are some additional offers you may like:
Trade-lines:
You need trade lines. People charge anywhere from 250-$1000 per month to add you on
to their credit card accounts as an authorized user. That’s is just plain ridiculous when
for as little as $50 you can have an account “Paid in Full” reported to your credit or
client’s credit in just a few days. It’s called debt reassignment, we just released the new
program @ https://cptradelines.com check it out today.
Credit Sweep:
We have developed 3 methods for combating negative accounts on any credit report.
This program will show you how to effectively get those accounts removed fast. For
more information on our Credit Sweep Program visit: https://bureaublaster.com
Thank you once again for your business and I hope this program helps you as much as it
has helped thousands of other people over the past 4 years.
Signing off
22 | P a g e
                                         FAQ
Here are some common questions we get about the program. We will continue to add more
each update. Make sure you download your new program every other month at least.
We use our own id numbers and documents, if you have a passport you can use that as
an alternative. Using any documents besides the ones legally issued to you may be
considered fraud, the only thing we can do is share some resources to help you make
your own decision on what to do. Please do not email us asking about how to obtain
documents, or any assistance with anything that is not legal.
If you cannot find a number for your state use a number for the state you were born
in if different from your current state. If you were born in your current state use a
number for a near by state. It is common for people to relocate around their area.
Thanks again!
23 | P a g e