Can You Use CPN Numbers to Hide a Criminal Record?

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CPN, or Credit Privacy Number, is a term that often appears in discussions about financial privacy and credit. However, there is a significant amount of misinformation regarding the legality and purpose of CPNs, especially when it comes to their use in connection with criminal records.

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CPNs and Criminal Records

The notion that a CPN can be used to hide a criminal record is a myth and is unequivocally false. Criminal records are tied to multiple identifiers, including an individual’s name, date of birth, fingerprints, and Social Security Number. Simply using a different number in place of one’s SSN does not alter or hide one’s criminal history in any way.

The Misuse of CPNs

There have been instances where individuals were led to believe that they could use a CPN to start a new credit file or hide past financial or criminal issues. This is a dangerous misconception. The use of CPNs in this manner is considered fraudulent. Engaging in activities that involve providing false information to financial institutions or government agencies can result in serious legal consequences, including charges for identity theft or fraud.

Using a CPN to apply for credit or services, with the intention to deceive, constitutes fraud. Individuals caught using CPNs in place of their SSNs can face federal charges. The consequences can include fines, restitution, and imprisonment.

The only legal ways to address a criminal record are through the processes of expungement, sealing, or a governor’s pardon, depending on the laws of the state where the record exists. These processes can be complex and typically require the assistance of an attorney.


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