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What is a SCN and Can I Really Legally Use it to Get New Credit? – Denise

Written by Steve Rhode

“Dear Steve,

Received an email from someone telling me that they can help me establish new credit using SCN.

What is a SCN?

They said it was legal and I am wondering why I have not heard of it before.

Why can these people get one and I can not if they are legal?

Why do I have to pay them $700 for a number?

I am just curious what you know about this.

Thanks for your help!!!


terrifying man narrow

Dear Denise,

SCN is an acronym for a made up term, typically – Secondary Credit Number. The number is made up as well.

It might be legal to sell you an SCN but it would be illegal for you to use it to hide your real credit history and most certainly to apply for credit.

If you have filed for bankruptcy, you may be the target of a credit repair scheme called file segregation, SCN or Secondary Credit Number, or CPN or Credit Profile Number. In this scheme, you are promised a chance to hide unfavorable credit information by establishing a new credit identity. That may sound perfect, especially if you’re afraid that you won’t get any credit as long as bankruptcy appears on your credit record.

The problem: It is illegal. If you use it, you could face fines or even a prison sentence. – Source

Not that long ago I had a chat with Capital One about SCNs and they said they report all known uses of SCNs to the authorities as fraud.

I’m always amazed that people would fall for the sales pitch to try to hide their past bad credit when it is just so super easy to fix bad credit legitimately. See The Get Out of Debt Guy Free and Easy Credit Repair Guide.

Don’t be a victim. Please help me protect other from this and upload the email to me here. Let’s stop them before they harm others.

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Here are some other articles that will interest you as well.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

1 Comment

  • Why not just get on the Better Business Bureau website and see for yourself that even the BBB says using CPNS are illegal, they also warn you from using them. They say that SCNs, CPNS and the like are simply SSN & EIN number from deceased or incarcerated people and even numbers this are pulled from thin air. I would’ve loved to have been one of the people o ha e obtained one of these numbers to help repair my credit, but unfortunately being charged weather civilly or criminally, scares me.

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