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

“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 … Read more

SCN, CPN, File Segregation and Other Tricks to Hide Bad Credit Are Illegal

‘File Segregation’: New ID Is a Bad IDea 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 … Read more