CPN method Scamming

CPN (credit profile number) - this is essentially just an SSN , but in this type of fraud it is called a CPN. It is used legit for celebrities and politicians or other big timers who don't want to put their real ssn on forms or have their real identity get stolen.
It is an unused ssn from a child or prisoner serving life sentence, anyone who is not utilizing the credit system basically. These ssn are repurposed for this type of fraud and used to build new credit profiles. I will go into this more through the rest of the guide.
Credit reporting agencies/ cra - the 3 major credit reporting agencies are transunion , equifax and experian. These agencies report credit activity that they receive from lenders and banks. For example say you have had a new credit card for 3 Months and are paying all the bills on time. Your bank will be reporting to these 3 agencies that you have made all payments on time , and these on time payments will raise your credit score. Or say you apply for a new credit card for Wells Fargo, Wells Fargo will want to check if your credit score and activity is sufficient for this card , so they will make what is called an "inquiry" into your credit reports from the 3 major agencies using the info you provided on the application. This inquiry in itself is a small report to the agencies it appears on the credit report and is one of the building blocks of a cpn profile which i will go into later.

Tradeline- a tradeline is using a sketchy shady business to give your cpn a fast boost on getting high credit score. These businesses are classified as lenders to credit unions, and are used for reporting fake activity on your cpn profiles to the 3 agencies. For example they will sell a package where they report to creditors that you have paid back $5000 in debt to them , in exchange you pay $150 for the service and you give your cpn info to them name adress date of birth ssn/cpn etc then after 14 -30 days the debt being paid off will reflect on the credit report for your profile. The $5000 in paid off debt is completely false but it will be reported to the agencies and makes your cpn profile look like a real person who is paying off debts. This is very beneficial it makes your profile look trustworthy and able to handle money being lent to them.
I'm going to be covering every aspect of CPN fraud, credit profile number fraud if your not familiar is the art of basically creating your own citizens and building up their credit scores up until they have excellent credit score and history and they will qualify for big loans and credit cards. These people will be fully under your control. you own them because they are synthetic identities , fake names and social security numbers that don't actually exist. You can max out all cards at any time you want to cashout or continue to build and build for a bigger cashout. All up to you.
One of the most beautiful parts of this method is that you don't need a drop. You can use your house or friends houses to get everything sent too and build your entire profile at your own home adress. Your're creating synthetic profiles which is not identity theft, you're not stealing anybody's identity you're creating identities. Through out this entire method not a single person or bank will think they have been scammed by fraud only you will know It is fraud. Police will never get involved with this method that's the beauty of it you can have complete peace of mind through out it all.
You can already see the profit potential with this. You can either keep these identities live and continue to build credit to very high levels and borrowing power for your profiles , or burn them for 10k loans and credit cards that you don't pay back. This will ruin their credit but you can see why it won't matter. Completely synthetic made up person you control that is not related to you in any way.

First I'm going to explain why this method works very well and will not be "burned" or over saturated. It exploits a major flaw in the entire infrastructure of how the United States credit system works. 
Imagine your an 18 year old kid who just got a job and wants to start renting an apartment and building credit score. At this point in your life you have no credit history, meaning if you went to pull your credit report nothing would come up. Think of it like this You are a fresh CPN synthetic identity profile for fraud waiting to be built , the credit system doesn't know that you are even a real person yet because you haven't done anything related to credit like renting an apartment , or opening a credit card. The us credit reporting agencies go by a whole entirely different system than say public records or birth or government records for verifying that a person is real. At this point Your ssn is not tied to any credit records yet so the ssn # is fair game to be used on any adress or name combination. CPN are mostly acquired by using children's ssn. Say you find a family info book with ssn and names of all 5 children who are currently 10 years old. Those ssn are perfect for this method, unused by the credit system and ripe to be built with any information. You can use little 10 year old Sally's SSN and start building a profile of a 25 year old black man if you like and the credit system will have absolutely no idea who the ssn really belongs too. And when sally grows up she will be able to get a brand new ssn from the gov once she turns 18 and realizes her ssn was used already by someone else 
When building a cpn profile you can choose any name or adress combination. You can even put it in your own name which would work better since you already have an id for it. Many ppl do this with credit repair companies , this is essentially how those credit repair companies work is they give you a new ssn/cpn and help you build up the credit for it on your fake identity. Illegal but chances of getting caught are literally 0, who's going to report fraud ? The person doesn't exist ! Nobody to report a stolen identity = no police involvement.
Where the exploit comes in is that any inactive social security number can be attached to any name and adress and credit reporting agencies will begin to build credit for it if lenders or creditors begin reporting to them. So in order for cpn fraud methods to be patched they'd have to stop allowing kids mature into adults and begin building credit as they mature in life ! Safe to say this method will work for the rest of your adult life.
Fortunately I am now able to provide CPN # for you at $500 just hit me up on instagram @scamming.iq or text me @7082383982 if your interested in getting one made for you.
Baby steps:
You will need separate burner phones for each cpn profile. Use real carrier phones from T-Mobile , sprint , etc. DO NOT use google voice or prepaid shitty phone services it will get your profile killed. Credit bureaus have been marking profiles as fraud for using these numbers which aren't real "numbers" if you know what I mean, text free apps etc. just don't do it. Real phone lines only don't be cheap. Everything about this should be normal behavior that's the name of the game. Making your profile look normal.
Once you have your cpn # your going to want to start adding a few inquiry's to that profile. Choose all their info, name dob, etc. once you pick and begin the process you won't be able to change it. For example say you want your profile to be the below name

Michael Thompson

DOB- 8/13/1985

SSN/CPN - 435-32-7282

Adress: 123 maple lane , miami FL

You would take this info which is non existent so far in the credit system and use the information on the application for a credit card , loan , car loan etc. only do 2-3 of these applications at first maybe each application 3-4 days apart as not to raise red flags or a fraud alert will appear on credit report. Now these applications will of course be denied because the person doesn't exist , but the application of itself is going to go into the credit system and start the very first building blocks of records of this being a real person matching that ssn living at this adress and that's exactly what we want , this is the birth of your profile. These will begin to enter credit system in around 1-3 weeks and records will update.

Also go on www.listyourself.com and www.whitepages.com and add the same exact info of your profile as you put on the application to add public records of your profile living at that drop. 

Next step is to get a tradeline and or authorized user to boost your profile. I've already discussed tradeline in the vocabulary section of the guide so you should have an idea what it does. 

Authorized user is piggybacking on someone with high credit scores cards to build your own credit. Say your a rich successful business man and you have an 18 year old son and you want to help him build his credit , you would add his name adress and ssn as an authorized user to your current credit card so even though he doesn't have access to the card at all it will still boost his credit score because he is technically an authorized user of a high balance card that is being consistently paid off on time. You can either open a CC with high credit score fullz and add cpn as AU and continue to pay off the fullz bill, or you can do a bit of research online through credit repair forums and find someone selling AU packages. Once you already have a profile built up and a big balance card you can add your other

profiles as authorized users and piggyback to boost their scores , so one aged profile helps build the new ones.

Quality tradeline sites

https://www.myjewelersclub.com/

Horizoncardservices.com

This site charges $99 and you get around $5k of credit history added to your profiles credit report. Perfect for a tradeline not too expensive. I've had success with this one works nicely. Look around a research and read reviews you could find others for more expensive but bigger boost. Bigger the tradeline the faster this method pays out, if you spend $1100 on a tradeline that gives your profile a 60k credit history you will be already nearly done with the method and able to cashout. Banks will be extremely trusting to your profile to give you loans and high balance cards because they see a business has already trusted you with over 60k in credit and your worthy. Do research on tradelines find sites read reviews on them, find one that seems legit and worthy of your money. There's many scams out there, but the 2 I've mentioned are certified legit.

After the tradeline is posted and appears on credit report (if you sign up for credit monitoring you will know exactly when) along with inquiries you should be able to check the credit score for your profile on one of these websites. You may even be able to check before the tradeline posts. Give it a go on different sites. If it won't let you check that means your inquiries haven't posted yet.

Www.annualcreditreport.com

Www.creditkarma.com

Www.creditsesame.com

Sign up for credit monitoring with one of the ccs under your profile that you open or even a prepaid cc, this monitoring and regular updates of your profile will be very helpful to let you know how much progress your making on building up your credit score and history.

After you have tradelines, + few but not too many application inquiries that I suggested earlier, + maybe an AU, banks will be comfortable sending a secured credit card to your drop. A secured credit card if your unaware is not actually the bank lending you any money. If you want a $200 limit on the secured credit you must deposit $200 onto the card so that if you ever fall behind on payments the bank isn't worried about not losing any money on you. These are used for people with bad credit or no credit history who want to show the bank that they are committed to building up credit again and paying on time. You can go to any bank site and apply for a secured credit card using your drop and cpn information and they will send it out. You can pay the security deposit using a greendot prepaid visa which can be bought at any Walmart/cvs/etc. minimum security deposit varies anywhere from $50-300 depending on bank.

Once the secured card arrives activate it and use it for any day to day purchases or online items you like, just have regular spending patterns and pay the bill off on time ALWAYS. Do not miss any payments. It's also best to pay a bit more than the minimum payment it will help boost your credit score more. Don't pay too much more than the minimum required payment though or it can raise flags. Remember normal behavior seem like a regular joe trying to get by . 

Depending on how big your tradeline or AU is you might need to build up secured card for 2-4 months paying off bills consistently. You can always add more $ as a security deposit to the balance to give you a bigger boost to credit history. But at this point it's the slow grind of aging the profile. This is the slow and cheap way if you don't wanna spend big bucks on a big boss tradeline. With a tradeline you can get to where you want in 1-2 months. you want to be running 5-10 of these profiles all different names and secured cards at once. I never like to build more than 2-3 profiles tops at one adress to be safe. All different phone numbers for each one.

Every credit card you have will be fully under your control you will have login info , everything. For cashing them out I recommend using a payment processor. use stripe.com and setup a payment gateway and website selling products. Then you can run the card through the website you created and have the money sent to a bank drop , and that will not count as cash advance and you can do that easily. Just keep payments somewhat resembling normal activity, that's the name of the game when cashing this out most effectively. Don't get too crazy with big purchases especially if cc was opened recently with that profile. Just be careful to stay on top of payments and make sure at the very least your able to make the minimum payment back that is owed each month on your profile. If you miss a payment and mess up it will put your profile at a serious disadvantage because remember we are trying to build this person with perfect credit score and history. 

I like to keep a log and graph of exactly how much I have spent and exactly how much I need to have saved for the minimum bill payments for all my profiles. This is the most important thing , it's very easy to lose control and spend tons of money with these and get reckless. This is why I call this grown man fraud, you are managing credit card bills and payments for 5+ people at once ! Most people can't even manage to take care of just their own bills ! Invest most of the money back into the fraud game and work on other methods in the process while you wait, I personally like to burn one profile and use the money to build all the others and pay bills.

Big thing about this method is time. It's not an overnight get rich quick scheme it's a 2-4 month before cashout minimum process, but when you cash out it is BIG. you can cashout whenever you want but the longer you build bigger the profits. You can cash after 1-2 months for 4K or wait a year and get $120k. 

This is what cashing out looks like:

you've spent 6 months building up a profile for Michael Thompson. You spent $1200 on a tradeline giving him 60k in credit history. You have a secured card you paid on time for 4 months , then successfully opened a card with a 12k limit and got it delivered to your drop. You've been spending this 12k balance card and paying it off for 2-3 months now and you want a bigger balance cc. Now you use say 4K of the money on that cc to buy a $4000 tradeline. Say this tradeline gives you $200k in credit history. Now to the credit bureaus Michael Thompson looks like a very very rich businessman somebody they are dying to lend money too. 

Now at this point you are ready to do what is called burning a profile 🔥. Your done with building this up and satisfied with the effort you put in and tired of paying back all this money he Owens for his cards on time and now you want to max out all cards and not pay back and cashout.

You could apply for a credit card with a say $25k limit now and then max it out over a period of 3-4 weeks. Not too fast! Remember you want everything you do to resemble normal behavior as much as possible. Then go for a $25k loan and open a checking account for it to be sent too. I would open a checking account same time you open a secured card account at the beginning of your profiles life though very early in the process and use it regularly so that it is aged at this point and able to handle large transfers like 25k without arousing suspicion from the bank.

Let's say you Made a profile in your own name and Michael Thompson is your real name , but your just using a separate ssn for this fake Michael Thompson. You already have a real ID card that says Michael Thompson, or you could make a fake id matching whatever profile you choose. You can go into a car dealership and get a 20k Lexus and finance it with maybe 2-3k down. You can sell the car if you have the proper connections to flip cars , or Now you signup for geico car insurance and get full coverage. I had a buddy who would crash a car financed with one profile into a $20k Lexus that he financed with a different profile and then file an insurance claim with geico, take a pic and upload to geico app. So they give him $6000 claim check deposited into your bank account to fix the damages on his vehicle.

Say you open up a Best Buy store credit card as well, and get 10k limit. Cash this out buying tons of laptops and selling them. At this point your sitting at around $75,000 profit from burning this profile. Creditors will assume Michael had a midlife crisis and messed up in life and wasn't able to pay his bills on time, his credit score will drop down astronomically quickly and your Michael Thompson profile will be burned, and you nearly 6 figures richer. Say your running 5 profiles at a time, you can use the 75k from Michael to pay off the high balance bills from the others and continue to build and build their credit up. You could burn all 5 profiles at once and then completely retire from fraud, you can keep 2-3 that you build for 3-4 years and then cash those out for $150k. Sky is the limit. No limit to how many profiles you can have you just need long term access to multiple adresses to get cards for many months from.

This entire process isn't too complicated just takes time to build everything up, anybody can do it. It essentially comes down to just building up credit for another person you control instead of yourself. Possibilities are ENDLESS with these the world is really yours you could lease a penthouse or finance a helicopter with these. Anything can be done with a strong profile, get creative think outside of the box. 

Good luck.