CPN Packages
CPN Tradeline Packages
Whether you need one tradeline or a full package, we have solutions tailored for every client.
We offer six customized packages to fit all your needs:
STARTER PACKAGE
BRONZE PACKAGE
BRONZE + PACKAGE
SILVER PACKAGE
GOLD PACKAGE
PLATINUM PACKAGE
CPN Tradeline Packages – Simple Guide to Building Credit Fast
A CPN Tradeline Package is a credit-building service that combines two powerful tools:
- A CPN Number – 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.
- Tradelines – Tradelines are credit accounts that show up on your credit report. These can be credit cards, loans, or other accounts that have a history of on-time payments, low balances, and high credit limits.
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.
What’s Needed to Obtain a CPN Number:
To get started, you’ll need to provide:
- Your full name
- Date of birth
- Email address
- Phone number
- New address (one that is not linked to your current credit file)
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.
A typical CPN Tradeline Package includes:
- A Verified New CPN – Every CPN we provide is safe-scanned and skip-traced to ensure it has never been previously issued to another individual. This process guarantees you receive a truly clean, unused number that is ready for building your new credit profile.
- One or More Authorized User Tradelines – These are existing credit accounts that have been in good standing for years. You get “added” as an authorized user, which makes their good history appear on your credit report.
- Credit Profile Setup – Through our Tri-Merge process, we make sure your CPN is set up with the three major credit bureaus so all tradelines can report to it.
- Posting and Verification – Our team will verify that your tradelines are attached and showing up on your credit file through one of our recommended credit monitoring websites.
- Support and Guidance – Our team will be there throughout the whole process and even after the file is completed to help maintain and grow your credit after your tradelines post.
How CPN Tradeline Packages Are Formed
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 chosen, we coordinate with the account holders to have you added as an authorized user. This step is critical because it’s what transfers the positive history of the account onto your CPN’s credit profile. The moment you are added, the account’s full payment history, age, and limit become part of your record.
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.
Better strategy with quality business
Many people turn to CPN Tradeline Packages for a fresh start or to speed up the credit-building process. Here are some common reasons:
- Starting Fresh – If your current credit has a lot of negatives, starting over with a CPN can make it easier to get approved.
- Building Credit Fast – With tradelines, you can go from no credit to having years of positive history instantly.
- Qualifying for Housing – Some landlords check credit scores before renting. A strong CPN file can help.
- Getting Approved for Auto Loans – Car dealers often give better terms to people with good credit.
- Lower Interest Rates – Better credit means you pay less in interest on loans and credit cards.
- Separating Business and Personal Credit – A CPN can help keep business finances separate from your personal credit.
A CPN by itself is just an empty file. Lenders can’t judge you without seeing payment history. Tradelines are what fill that file with good history.
When you add a seasoned tradeline to a brand-new CPN:
- Your report instantly shows years of on-time payments.
- Your score can jump quickly.
- You look more trustworthy to lenders.
Think of it like getting a job application. Without experience, it’s hard to get hired. But if your resume shows years of experience (thanks to tradelines), employers — or in this case, lenders — are more likely to say yes.
- Fast Credit Improvement – In many cases, people see results within weeks instead of years.
- Higher Credit Limits – Lenders often approve larger amounts for people with strong credit histories.
- Better Loan Terms – Lower interest rates can save you thousands over time.
- More Approvals – Easier to get approved for apartments, auto loans, and credit cards.
- Privacy Protection – A CPN can help reduce exposure of your Social Security Number.
- Flexibility – Packages come in different sizes (1 to 5 tradelines) to fit your budget and goals.
- Diverse Credit Mix – Some packages include different account types to improve your credit profile even more.
CPN Tradeline Packages
Our 6 CPN Tradeline Packages
We offer six customized packages customized to fit all your needs:
Starter Package
Starter Package
1 tradeline, 3–5 years old, modest limit.
Bronze Package
Bronze Package
1 tradelines with a balance of 20,000 limit and 2-3 years in age
Bronze+ Package
Bronze+ Package
1 tradeline, 30,000 total limit.
Silver Package
Silver Package
2 tradelines with a combined balance of 50,000 limit and 3-5 years in age.
Gold Package
Gold Package
3 tradelines with a combined balance of 75,000 limit and 3-5 years in age.
Platinum Package
Platinum Package
4 tradelines with a combined balance of 95,000 limit and 3-5 years in age.
Our CPN Number and Tradeline experts will work directly with clients to ensure they select the package that aligns perfectly with their credit goals.
Who Can Benefit the Most
- First-Time Credit Builders – People who have never had credit before.
- Credit Repair Clients – Those with bad credit who need a faster way to recover.
- Entrepreneurs – Business owners wanting to keep credit separate.
- Renters and Homebuyers – Those who need to meet credit requirements to qualify.
- Anyone Needing Lower Interest Rates – People tired of paying high rates due to low scores.
Why Choose Our CPN Packages?
- Proven Track Record – In business since 2005, we’ve helped millions of Americans take control of their financial futures.
- Post-2008 Expertise – We successfully navigated clients through the aftermath of the market crash and understand exactly what it takes to rebuild credit during times of financial crisis.
- COVID-19 Recovery – When the economy slowed, we created rapid-response credit solutions to help people get back on their feet quickly.
- Custom Fit – Our six CPN Packages ensure there’s a solution for everyone, from individuals just starting their credit journey to those seeking major financing.
- 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.
The History of Our Company
We started in 2005 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.
Important Things to Remember
Responsible Use is Key – A CPN with tradelines is a powerful tool, but it’s not a magic fix. Our team will guide you on how to use your new credit profile wisely so you can keep your score growing long after setup. We’ll also explain how tradelines reports interact with credit bureaus and what that means for your personal file.
Choose the Right Package – More tradelines often mean bigger and faster results. We’ll help you select the package that best fits your goals, whether you’re just starting or aiming for major financing. For example, adding multiple high-limit accounts can increase your ability to qualify for the type of credit you’re looking for.
Work With Experts – We’ve been in the market since 2005, and our proven process is designed to deliver consistent, reliable results. You’re not just buying a package — you’re partnering with a team that knows how to get it done right. Additionally, our services are built to help consumers avoid setbacks from negative items or public records that may otherwise hold them back.
Monitor Your Credit – Tracking your progress is key. We’ll recommend the best credit monitoring tools and show you what to watch for so you can keep building momentum toward your financial goals. Part of our services includes helping you understand the market and the number of opportunities available to strengthen your profile. Every step is designed to send a clear message: your financial future can be rebuilt with the right guidance.
Final Thoughts
Frequently Asked Question
CPN Packages FAQs
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.
For newcomers, a starter package with just one tradeline can be enough to show lenders positive activity once it is posted to your file. Those seeking stronger results often upgrade to packages with multiple tradeline accounts, giving them a higher combined credit limit and credit score. The evidence of how effective these setups are comes directly from clients whose tradelines posted within days and immediately boosted their approval odds.
Tradeline specialists often give advice on whether to begin with a starter package or move toward multiple tradelines, depending on your goals. The key is building a layered profile, where each posted account adds to your history and increases your overall combined credit limit. With clear evidence of success from thousands of clients, CPN Packages remain one of the most reliable ways to accelerate credit growth.
A Credit Privacy Number (CPN) is a nine-digit identifier, formatted like a Social Security Number, that can be used for certain credit-related purposes in place of your SSN. A verified CPN should be tri merged, safe-scanned and skip-traced to ensure it’s never been issued to another person, ensuring it’s truly clean and ready to build. While it does not replace your SSN for tax or employment purposes, it can help establish a new credit file and protect your personal SSN from overexposure.
An Authorized User Tradeline is an existing credit account — typically a revolving credit card — that allows another person to be added as an “authorized user.” Once added, the account’s history (age, limit, and payment record) appears on the authorized user’s credit report, potentially boosting their score and strengthening their credit profile almost instantly.
A Seasoned Tradeline is a credit account that has been open and in good standing for an extended period, usually 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 more valuable for credit-building purposes.
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. You can obtain an EIN without a CPN — the IRS typically requests your SSN. A CPN should not be used in place of an SSN when applying for an EIN.
It’s also important to note that an EIN is not meant to repair personal credit histories or replace your existing file. If you have bad credit, issues such as missed utility bills, negative public records, or even inaccurate tradelines reports must be handled separately. These items stay tied to your personal credit and cannot be erased simply by applying for an EIN.
When setting up banking relationships, institutions often review both public records and payment data such as utility bills to verify identity and history. Any sign of fraudulent activity can raise red flags, which is why separating business banking from personal credit is so important. An EIN is strictly for tax and business purposes — it does not erase bad credit or negative marks tied to your SSN.
You can use CPN Packages for a wide range of credit-building goals. A well-structured package can help you qualify for loans, set up new bank accounts, and even secure auto loans when your credit file is thin or limited. By combining primary tradelines and authorized users, CPN Packages give you a higher combined credit limit, a longer account age, and better-looking credit scores across all three bureaus.
Many clients begin with a starter package that includes one tradeline, which is often enough to create a foundation for growth. Over time, upgrading to larger CPN Packages with multiple primary tradelines can raise your average credit score and improve your chances of getting approved for bigger financing. These setups are especially useful for auto financing, since lenders weigh your tri merged reports heavily before granting auto loans.
You can also leverage CPN Packages to open credit cards and additional bank accounts, giving you flexibility for both personal needs and business opportunities. Because credit card companies and lending companies look closely at credit scores, a package that adds the right program of tradelines helps ensure better approvals and stronger deals.
The best CPN Packages are delivered with transparency and are designed to boost your average credit score by adding history, utilization, and age. Whether you need a quick starter package, a single strong one tradeline account, or a full program with multiple seasoned tradelines, the tri merged results across Experian, Equifax, and TransUnion give you the personal leverage to build, repair, and grow. In short, CPN Packages provide the tools to strengthen your profile, expand your combined credit limit, and open the door to more opportunities with banks, lenders, and other companies.
No. Taxes are linked to your SSN or EIN for reporting and payment purposes. A CPN cannot be used to file or pay taxes, as it is not issued or recognized by the IRS.
Yes, in some cases. Many landlords and property managers run credit checks as part of the rental application process. If they accept applications with a CPN, having seasoned tradelines attached can greatly improve your chances of approval by showing a strong credit profile. Always confirm with the landlord or leasing agent first.
Adding primary tradelines alongside authorized users can strengthen your file by diversifying your credit histories and showing responsible management of accounts. Even if you’ve had bad credit in the past, a mix of positive tradelines can outweigh negative items like public records or missed utility bills. Since many property managers now review factors beyond just scores, showing on-time payments on utility bills and stable credit histories can be just as valuable.
For those seeking housing, tradelines not only help with rentals but also open doors to loans and financing down the line. By strategically combining primary tradelines with seasoned accounts, you create a profile that looks far more reliable in the eyes of landlords, lenders, and anyone evaluating your creditworthiness.
Yes, if the lender accepts applications with a CPN. A CPN with strong authorized user tradelines can help you qualify for better terms, lower interest rates, and higher approval chances compared to starting with no history. Lenders look closely at information such as the credit limit, average credit age, and repayment patterns when reviewing a file. Having multiple credit cards reporting positive history can make a huge difference in how both CPN and SSN files are evaluated.
For example, an auto loan under a CPN profile is much more likely to be approved when strong tradelines provide a high credit limit and show solid average credit reporting. Many banks also run program checks that verify information across bureaus, so keeping everything consistent is essential. The same applies to smaller approvals such as a cell phone account, which still requires proof of average credit stability and a history of positive payments.
A strong file doesn’t just open doors for auto financing — it can also lead to better deals on funding programs, personal loans, and revolving lines. With the right credit cards in place, your average credit history looks much stronger, giving lenders confidence to extend larger amounts of funding. Whether applying with a SSN or CPN, the information lenders rely on is largely the same: tradelines with high credit limits, seasoned credit cards, and proven average credit age.
The key is choosing the right program that fits your goals. From auto loans to credit cards, and from small deals to larger funding, a clean CPN with properly added tradelines allows you to leverage positive history the same way you would with an SSN. This strategy gives you the information and reporting power you need to move forward with confidence.
Sometimes. Certain banks and credit unions run credit checks before opening new accounts. If they allow CPN use, a strong profile and higher credit scores can improve your odds. However, not all financial institutions accept CPNs for account opening — you must confirm beforehand, since rules vary across companies.
With the right cpn packages, clients can often qualify for new bank accounts, apply for auto loans, and even strengthen their average credit score enough to gain quicker approvals. Many credit card companies still review the entire credit file, so it’s important to choose carefully and work with companies that understand which tradelines report best. A well-structured plan using seasoned cpn packages gives you the foundation to manage banking and future auto loans more effectively.
Most providers recommend starting with smaller purchases through cpn packages before moving on to bigger financing goals. This step-by-step approach allows your average credit score to rise steadily and prepares you for larger approvals. Reliable companies will guide you through each purchase, show you which bank accounts to target, and explain how to navigate the banking process with fewer denials.
The key is to contact providers that have proven experience. They will help you purchase the right cpn packages, connect you with reputable companies, and ensure every step of the process is built to maximize results. By following expert advice and selecting the right cpn packages, you can boost your profile, strengthen your credit file, and position yourself for future growth in credit and financing.
Yes, with lenders who accept CPNs. This is one of the most common uses for a CPN Package. By attaching seasoned tradelines, you can increase your chances of being approved for higher-limit credit cards and building even more positive history going forward.
- Is the CPN verified, safe-scanned, and skip-traced?
- How many tradelines are included, and what are their ages, limits, and histories?
- Which credit bureaus will the tradelines report to?
- What is the posting timeline?
- Is support provided after the tradelines post?
- How do I monitor my credit to confirm results?
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 every credit file linked to your CPN. For consumers who are serious about building credit, these services provide accurate data from all bureaus in one place, making it easier to track progress.
By using a trusted monitoring site, you can browse reports, review the data, and verify the completion of tradeline posting before applying for new credit. More importantly, quality services also help detect fraudulent activity, giving you peace of mind that your profile remains secure. These services are essential tools for managing credit effectively and ensuring your CPN is reporting as expected.
Faster Credit Building – Create a strong profile in weeks instead of years. Many clients are approved quickly because seasoned tradelines instantly add positive history and age to their files.
Better Loan Terms – Qualify for lower interest rates and higher credit limits. In many cases, lenders give better terms depending on the age of accounts that have been successfully delivered.
More Approvals – Improve your chances of approvals for apartments, auto loans, and credit cards. The simple fact is that the stronger your profile, the more likely you are to be approved in the end.
Privacy Protection – Reduce the exposure of your SSN in credit-related applications. One big reason people choose these setups is because email updates and secure delivery methods keep personal information safer.
Custom Fit – Choose packages that match your goals, from basic starter profiles to high-impact multi-tradeline setups. Providers add flexibility by offering email support, fast delivery, and clear instructions you can read step by step. Tradelines are delivered on time, and providers will add extra guidance when needed to add even more value to your profile.
- What Are Authorized User Tradelines?
- How Do Authorized User Tradelines Work?
Authorized User tradelines are credit accounts—most often revolving credit cards—where someone is added as an “authorized user” to another person’s account. In the credit industry, a “tradeline” simply means a credit account that appears on a credit report. When you become an authorized user, the entire history of that account, including its credit limit, utilization, and payment history, is reflected on your file. This can quickly add years of positive history and increase your available credit, which will boost your credit score.
For individuals looking to repair their credit, build credit from scratch, or improve an existing score, Authorized User tradelines are one of the most efficient and proven method available.
Authorized User tradelines have been widely accepted in the credit repair industry because they can make a significant difference in how lenders view your profile. For customers dealing with collections or trying to achieve new financial milestones, this option provides fast access to seasoned accounts that may otherwise take years to build. Of course, like any strategy, there is some risk, but with the right guidance and industry expertise, those risks are minimal compared to the benefits. Verified data from credit bureaus shows how tradelines can be especially helpful in removing the negative weight of collections and giving individuals the chance to protect their financial future. When you register for these services through trusted providers, you can achieve long-term stability, reduce the risk of denial, and move closer to your credit goals with confidence.
When you are added as an authorized user to a well-maintained credit card, the account’s payment history, credit limit, and age are imported into your credit profile. This works because credit bureaus such as Equifax, Experian, and TransUnion record authorized user accounts in the same section of a credit report as personal accounts.
If the primary account holder has a strong payment history and low utilization, those positive factors now reflect in your profile. This process is sometimes called credit piggybacking because you’re “piggybacking” off someone else’s good credit.
To make the most of this strategy, it’s important to understand how different factors can affect your file and how to properly manage new accounts. A trusted provider’s website often shares videos and guides that explain how to acquire tradelines, maintain healthy utilization, and even dispute inaccuracies that might affect your profile. The idea is to use this proven practice as an aid to help you build capital and possibly qualify for better financing with less hassle. It’s also worth noting that the credit history of a spouse can sometimes be leveraged, but each case is unique, so always note the practice that best fits your situation. By following the right strategy, you can manage accounts wisely, protect your capital, and ensure that only positive factors affect your growth. Most reputable companies will have a clear website where you can explore these ideas further right from your browser.
