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Why You Should Not Buy a Credit Privacy Number (CPN)

What Is a CPN, or Credit Privacy Number?

If you’re looking to repair your credit, you may have come across websites that advertise a credit privacy number, credit protection number or CPN. These numbers are nine digits like a Social Security number (SSN), and sellers claim that you can use them instead of your SSN. However, these CPNs are often actual SSNs lifted from real people, reportedly children, prison inmates and the deceased – and you can never legally buy a new SSN. In other words, a CPN is no solution to your credit rating problem. Under no circumstances should you try to buy a CPN.

Why a CPN is No Credit Fix

Websites have sprung up all over the internet, offering CPNs to people with bad credit or low credit scores. They advertise that this number can serve as a “get out of jail free” card for your bad credit. In theory, you can use a CPN instead of your SSN on credit applications to hide the poor credit associated with your personal SSN. If you have bad credit but still need a credit card or loan, this can seem like the solution, assuming you can pay anywhere from hundreds to thousands of dollars.

That price might seem worth it for a chance to wipe the slate clean. However, these offers are essentially a big scam. The CPNs you can buy online are not legally assigned credit protection numbers. Instead, they are usually stolen Social Security numbers, taken from children, the deceased or inmates.

Also, using a purchased CPN puts you in some hot water, too. Credit agencies can easily spot discrepancies if you try to use a CPN on an application instead of your SSN. Not only will this fail to help your credit, but it’s also committing fraud which is punishable by jail time.

How to Avoid CPN Scams 

What Is a CPN, or Credit Privacy Number?

If you’re dealing with some bad credit, don’t turn to a CPN. Only scammers sell CPNs, and they in turn may cheat you out of your personal information as well as hundreds or thousands of dollars. Using a purchased CPN can also put you in jail, even if you didn’t know the number was fraudulent. This is why it’s important to be aware of this popular scam.

If you really need a CPN or new SSN, it will be free. The process will go through the Social Security Administration Office, since a new number would be tied to your old SSN. That said, it is very hard to qualify to receive a new number. Having bad credit is never a qualifying reason.

How to Get a Legal CPN

With so many fraudulent websites and companies trying to sell you a way to reset your credit, it’s hard to know how to get a legal CPN. Unfortunately, there’s a lot of misinformation out there. Some experts say that you can speak with an attorney to obtain a legal CPN. The attorney can then contact the Social Security Administration Office on your behalf. However, others maintain that all CPNs are illegal.

Generally, it seems that you cannot get a legal CPN unless you actually need one. These situations include celebrities, government officials and people under witness protection. You can also apply in other specific instances, like if you’re a victim of abuse, stalking or identity theft. A real CPN would be attached to your SSN, so it’s still not an escape from the credit tied to your SSN.

You may also stumble upon offers to obtain an EIN, or Employer Identification Number. The IRS does issue EINs, but only businesses can use them for business costs. This means that you cannot legally obtain an EIN as an individual looking to improve your credit. You also cannot make up a home business, apply for an EIN and use that new number for a credit reset. It is a federal crime to obtain an EIN under false pretenses. In any case, the credit profile for your EIN is still tied to your SSN.

Bottom Line

What Is a CPN, or Credit Privacy Number?

You shouldn’t ever, under any circumstances, try to purchase a CPN. These offers are fraudulent and don’t provide any credit repair or relief. At the very least, buying a CPN wastes money you should put towards repaying your loans in the first place. At worst, you could go to jail for fraud. There are better, more constructive ways to repair your credit. If you’re truly in a situation that calls for a CPN, contact your lawyer for assistance.

Tips on Rebuilding Your Credit 

  • Of course, the best way to legally clean up your credit is to pay back your debts and improve your credit practices. A good place to start is to pay off your credit card debt with the highest interest.
  • Sometimes you’ll just have to wait for your bad history to fall off your record. Generally, negative info stays on your credit report for seven years. If you can’t get a debt collection removed from your credit report, for example, it’ll stay there for seven years. However, as time goes on, the toll it takes on your report lessens.
  • Don’t go it alone. If you have a good income, but you’re just bad at managing your money, a financial advisor can help. With guidance, you can make smarter choices – and even start growing your wealth. To find an advisor, use our free, no-obligation matching tool. It will connect you with up to three advisors in your area.

Photo credit: Â©iStock.com/becon, Â©iStock.com/Xesai, Â©iStock.com/Kerkez

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Source: smartasset.com



Tips to Consolidate Credit Card Debt

Tips to Consolidate Credit Card Debt

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

If left unchecked, extensive amounts of credit card debt can cripple your finances. The good news is there are many ways to handle debt, though each requires a dedicated effort on your part. But if you can manage to consolidate credit card debt, you will reduce your burden relatively quickly. In the process, you’ll avoid the exorbitant interest rates that accompany most credit cards. Below we take a look at some of the most effective techniques you can use to make this goal a reality.

Find Out Your Credit Score

Before you can work on improving your credit and minimizing your debt, you have to know where you currently stand.

Many credit card issuers allow cardholders to see their FICO® credit score free of charge once a month, so check out if any of your cards include that free credit score. The three major credit bureaus – TransUnion, Experian and Equifax – also give out free annual credit reports. If that’s not enough, websites like Credit Karma™ and Credit Sesame provide a free look at your credit score and reports as well.

It is vital to review your credit report with a fine-tooth comb to ensure the accuracy of the information. If you find errors be sure to let the credit bureau in question know so the issue can be eradicated as soon as possible.

Zero Interest Balance Transfer Cards

Although it might seem counterintuitive to apply for another credit card to lessen your debt, a zero interest balance transfer card could really help. These cards typically include an introductory 0% balance transfer Annual Percentage Rate (APR) for six months or more. This ultimately allows you to move debt from one account to another without incurring more interest. However, once the introductory offer concludes, any leftover balances will revert to your base APR.

These offers aren’t totally free, though. Most cards also charge a balance transfer fee that’s usually between 3% and 5% of the transfer. Even with this initial payment, you will almost always still save money over leaving your debt where it stands currently.

If you want to consolidate credit card debt, here are three different balance transfer credit cards you could apply for, with varying introductory interest rates and transfer fees:

Balance Transfer Credit Cards Card Intro Balance Transfer APR Balance Transfer Fee Chase Slate 0% APR for first 15 months; then 16.49% to 25.24% Variable APR, depending on your creditworthiness No fee for first 60 days; then $5 or 5% of each transfer, whichever is greater Citi Double Cash Card 0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening; then 15.49% to 25.49% Variable APR, depending on your creditworthiness $5 or 3% of each transfer, whichever is greater BankAmericard® credit card 0% APR for first 15 billing cycles; then 14.49% to 24.49% Variable APR, depending on your creditworthiness No fee for first 60 days; then $10 or 3% of each transfer, whichever is greater Take Out a Personal Loan

Tips to Consolidate Credit Card Debt

The thought of taking out another loan probably doesn’t sound too appetizing to consolidate credit card debt. But a personal debt consolidation loan is one of the speediest ways to rid yourself of credit card debt. More specifically, you can use it to pay off most or all of your debt in one lump sum. That way, your payments are all merged into a single account with your lender.

The APR and length of the offered loan and the minimum credit score needed for approval are the main factors that should go into your final decision on a lender. By concentrating on these three components of the loan, you can map out what your monthly payments will be. As a result, you can more easily implement them into your financial life.

Applying for a personal consolidation loan can have a detrimental effect on your credit. Unfortunately, most institutions will run a hard credit check on you prior to approval. However, many online lenders don’t do this, which might ease your mind depending on the severity of your debt situation.

These loans are available through a wide variety of financial institutions, including banks, online lenders and credit unions. Here are a few examples of some of the most common debt consolidation lenders:

Common Debt Consolidation Lenders Banks Wells Fargo, U.S. Bank, Fifth Third Bank Online Lenders Lending Club, Prosper, Best Egg Credit Unions Navy Federal Credit Union, Unify Financial Credit Union, Affinity Federal Credit Union Auto or Home Equity Loan

If you own assets like a home or car, you can take out a lump-sum loan based on the equity you hold in them to consolidate credit card debt. This is a great way to reuse money you paid toward an existing loan to take care of your debt. When paying back your auto or home equity loan, you’ll usually pay in fixed amounts at a relatively low interest rate. Even if this rate isn’t great, it’s likely much better than any offer you’d receive from a card issuer.

Equity loans are technically a second mortgage or loan, meaning your house or car will become the loan’s collateral. That means you could lose your house or car if you cannot keep up with your equity loan payments.

Create a Budget

Tips to Consolidate Credit Card Debt

To build a budget, you first need to figure out your approximate monthly net income. Don’t forget to take into account taxes when you’re doing this.

You can then start subtracting your variable and fixed expenses that are expected for the upcoming month. This is where you will likely be able to identify where you’re overspending, whether it’s on food, entertainment or travel. Once you’ve completed this, you can begin cutting back where you need to. Then, use your surplus cash to pay off your debt one month at a time.

It shouldn’t matter if you’re dealing with substantial credit card debt or not. A monthly spending budget should always be a part of how you manage your finances. While this is likely the slowest way to eliminate debt, it’s also the most financially sound. At its core, it attempts to fix the problem without taking funding from an outside source. This should leave very little financial strife in the aftermath of paying off your debt.

Professional Debt Counseling

Perhaps since you’ve found yourself in serious debt, you feel like you want professional help getting out of it. Well the National Foundation for Credit Counseling® (NFCC®) is available for just that reason. The NFCC® has member offices all around the U.S. that are certified in helping you consolidate credit card debt.

These counselors won’t only address your current financial issues and debt. They’ll also work to create a plan that will help you avoid this situation again in the future.

Agencies that are accredited by the NFCC® will have it clearly displayed on their website or at their offices. If you’re not sure where to look, the foundation created an agency locator that’ll help you find a counselor nearby.

Borrow From Your Retirement

Taking money early from your employer-sponsored retirement account obviously isn’t ideal. That’s means borrowing from your retirement is a last-ditch alternative. But if your credit card debt has become such a handicap that it’s affecting all other facets of your life, it is a viable option to consolidate credit card debt.

Because you are technically loaning money to yourself, this will not show up on your credit report. Major tax and penalty charges await anyone who has trouble making payments on these loans though. To make matters worse, if you quit your job or are fired, you’re typically only given 60 days to finish paying it off to avoid incurring a penalty.

Tips To Consolidate Credit Card Debt

  • If you take the time to come up with a budget, don’t let it go to waste. While you might find it tough to stick to, especially if you’re trying to cut back, it is the best way to manage your money correctly. Even if a budget becomes habit, stay vigilant with where your money is being spent.
  • Although a financial advisor will cost money, he or she might be able to help you keep your finances in check while ultimately helping you plan for the future as well. However, if this isn’t an option for you financially, stay on track with your NFCC® debt counselor’s plan.
  • There are so many ways to gain access to your credit score that there’s virtually no excuse for not knowing it. It doesn’t matter if you do it through one of the top three credit bureaus, FICO® or one of your card issuers. Just remember to pay attention to those ever-important three digits as often as possible.

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Photo credit: ©iStock.com/Liderina, ©iStock.com/ferrantraite, Â©iStock.com/cnythzl

The post Tips to Consolidate Credit Card Debt appeared first on SmartAsset Blog.

Source: smartasset.com



Acrylic Base Coat

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  1. Based decorative wall
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Acrylic Stucco Finish Coat is a 100% acrylic stucco copolymer based decorative wall render for exterior and interior use. It is mildew and weather resistant It is mildew and weather resistant Everything Stucco

Allis Chalmers Paint Automotive Basecoat Paint A base coat of paint is typically the first layer of paint put onto an object, sometimes intended for the application of the color. base coats also tend to operate as the base of the color scheme, where other layers of more transparent or colored paints can be then coated on smoothly.

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Automotive Basecoat Paint A base coat of paint is typically the first layer of paint put onto an object, sometimes intended for the application of the color. Base coats also tend to operate as the base of the color scheme, where other layers of more transparent or colored paints can be then coated on smoothly. Why Basecoat/Clearcoat? Eastwood’s

2006-05-05  · On metallic base coats, the clear coat brings the real shine and the small metallic particles to light, but also can show up repair marks done on the base coat layer. Body and primer preparation should be close to perfect before spraying on the base coat layer(s).

Find great deals on eBay for acrylic clear coat and acrylic clear coat spray. shop with confidence.

Alibaba.com offers 2,297 acrylic base coat products. About 29% of these are car paint, 28% are building coating, and 5% are uv gel. A wide variety of acrylic base coat options are available to you, such as free samples, paid samples.

What it is: OPI Acrylic Base Coat is made especially for acrylic nail usage. What it does: This product uses a stain-resistant formula. It prevents staining of acrylic nails and promotes a long-lasting manicure.

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Sunburst Orange Pearl Paint

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Common search terms include motorcycle paint, touch up paint, motorcycle painting and OEM, custom and classic paint codes

Automotive Basecoat Paint A base coat of paint is typically the first layer of paint put onto an object, sometimes intended for the application of the color. Base coats also tend to operate as the base of the color scheme, where other layers of more transparent or colored paints can be then coated on smoothly. Why Basecoat/Clearcoat? Eastwood’s
Candy Clear Coat Swift and Urie play a squabbling couple who argue—in French, no less—in a lavish apartment that morphs into an even more lavish fantasy castle, from which Swift emerges into a candy-colored … Gm Auto Paint Supplies Matrix MSV-21 Clearcoat & MHV-21N Hardener Combo. Matrix. regular price 5.00 green Metal Paint A verdigris or patina effect

MOPAR sunburst orange pearl COAT touch up paint . If you are unsure regarding your paint code to your vehicle; please email us with your VIN and we would be glad to verify for you

order spray cans, paint pens, brush cap bottles or larger sizes of Sunburst Orange Pearl touch up paint. paintscratch custom mixes each paint order to exact specifications so it matches the original factory color chip for your vehicle – guaranteed!

Make sure this fits by entering your model number. Sunburst Orange Pearl touch up paint kit includes: 1 oz. basecoat bottle, 1 oz. Clearcoat bottle, 2 oz. Cutting Creme (Rubbing Compound), and gloves.

Tangerine Pearl2007 – 2009 DODGE NITRO SUNBURST ORANGE PEARL COAT TOUCH UP PAINT. 2007-2009 Dodge Nitro. Highlighted in yellow is where the paint code for your vehicle will be listed.

Allis Chalmers Paint Automotive Basecoat Paint A base coat of paint is typically the first layer of paint put onto an object, sometimes intended for the application of the color. base coats also tend to operate as the base of the color scheme, where other layers of more transparent or colored paints can be then coated on smoothly.



Allis Chalmers Paint

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Re: PPG paint code for Allis Chalmers. in reply to Rod (NH), 05-21-2011 16:37:10 Rod, Thank you for your input, but I have a couple of questions. In the acrylic urethane you showed they show lead in the paint too, but my dealer said I couldn’t get MAE because of the lead.

Candy Clear Coat Swift and Urie play a squabbling couple who argue—in French, no less—in a lavish apartment that morphs into an even more lavish fantasy castle, from which Swift emerges into a candy-colored … Gm Auto paint supplies matrix MSV-21 Clearcoat & MHV-21N Hardener Combo. Matrix. Regular price $145.00 Green Metal Paint A verdigris or patina effect

Painting the Allis Chalmers C Tractor Lime Lapse Part 3 Allis Chalmers Paint, Cream, 1 Gallon – This Allis Chalmers Cream paint is High Strength air dry enamel with Alkyd resins to assure durability. Fade resistant, smooth uniform film characteristics. Used from 1961 through 1967 for the wheels and roofs on models D10, D12, D15, D19, D21, 160, 170, 175, 180, 185, 190, 190XT, 200, 210, 220, 440, 6040, 5040, 7000, 7030, 7040, 7050, 7060, 7080, and 7580. Some of …

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Candy Clear Coat

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Apply the candy coat to the vehicle in two coats. It is best to spray the mid-coat in a sealed spray booth, if possible. If this is not feasible, take pains to keep the candy mid-coat clear of dust or particles that may become lodged between the clear top coat and the candy coat.

Alibaba.com offers 47,392 candy clear coat products. About 1% of these are car paint, 1% are building coating, and 1% are appliance paint. A wide variety of candy clear coat options are available to you, such as free samples, paid samples.

Add depth to your paint job and achieve, a vibrant and unique custom look with these Candy Clears available in 6 shades: Fire Opal, Smoke, Sapphire, Ruby, Emerald and Canary Diamond. Like our 2K Clear, these candy clears offer superior protection, a built in flex agent and a temperature threshold of 400 degrees. INCLUD

Enamel the trim shiny black and paint the trim of the matching glass-topped table candy apple red … so add a protective coat of high-gloss clear enamel to increase the shine.

Candy Concentrate can be added to a variety of “carriers” including alsa speed clear, Lightning Clear, Color Blender, Clear4Chrome and other compatible clears. By design, these Candy Concentrate are meant to be applied over the top of your basecoat.

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Viewers will be treated to an impressive lineup of performers, including Taylor Swift who will debut her candy-coated single “Me … As for the actual awards, it’s clear that hip-hop artists have …



Automotive Basecoat Paint

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A base coat of paint is typically the first layer of paint put onto an object, sometimes intended for the application of the color. Base coats also tend to operate as the base of the color scheme, where other layers of more transparent or colored paints can be then coated on smoothly.

Automotive Base Coat Clear Coat Paint - Learn About Single Stage Paint & Primer Why Basecoat/Clearcoat? Eastwood’s Basecoats are great for beginner painters or for users looking to achieve a deep, wet look. With a basecoat clear coat system, you focus on getting the color coverage with the basecoat and then focus on achieving a glossy finish by applying a clear coat.

With Axalta Cromax, you want to go directly from primer/sealer to paint within the time span specified by Axalta. It is all about chemistry and compatibility where basecoat finishes mate with topcoats …

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The Ultra 7000® Refinish System from Sherwin-Williams Automotive Finishes is a productive, efficient, and consistent paint system. With repeatable performance, efficient processes, and products that can assist in decreasing cycle times, the Ultra 7000® system is the …

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I tried to paint my truck in my pole barn last weekend, and when I was putting on the base coat, it looked like I was spraying grease on it. It was really clear and wanted to run bad.

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Gm Auto Paint Supplies

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Matrix MSV-21 Clearcoat & MHV-21N Hardener Combo. Matrix. Regular price $145.00

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GM Auto Paint Supplies, South Gate, California. 21 likes. We provide Automotive supplies and industrial paint. Paint guns,tools, Custome paint, match any…

Must Have Auto Paint Supplies - The Tools You Need To Paint Your Car - Kevin Tetz at Eastwood Can anyone in uk supply american paint ? I’ve tried all the paint suppliers no1 can match the code, I’ve had the paint Scanned twice and the closet colour comes no where near.

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High Gloss Black Car Paint

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Meanwhile, the flagship $108,200 SQ5 Black Edition sits at an $8700 premium over the standard car … metallic paint, …

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Matte Car Paint. Black Matte Car Paint or hot rod black as it is commonly referred to has been around for more than fifty years. Over the last decade Hot Rod Black and other low gloss Hot Rod Flatz style colors have seen dramatic increases in popularity to the point that some, particularly the black, are considered a main stream color.

The new black edition models offer enhanced equipment levels, with bigger alloy wheels, more standard equipment, metallic …

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Green Metal Paint

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A verdigris or patina effect gives the look of aged metal or copper … painting a light basecoat of an aqua or seafoam green. Mix dark green paint such as an emerald green in with glaze …

This German Cabriolet is performed in the stylish colour combination of dark green metallic paint and a brown leather interior, both in beautiful condition. This Porsche Boxster has only driven 94,568 …

Jungle Green / DYC Performance Series Plasti Dip Metal Flakes. Our Durable “metal flakes” are a great way to add sparkle to any paint job. Our Hexagon flakes are easy to spray, and solvent resistant enough to use in two part epoxy paints.

The work carried out at that time is covered by a fully detailed photographic history. 11 years later the Almond Green Metallic paint is still in truly excellent condition, having also been refreshed …

The Rust-Oleum 12 oz. Camouflage spray paint is designed for use on metal, wood, plaster and other materials. Its ultra-flat color blends with outdoor terrain and …

Copper Penny Powder Room The guest bathroom will never be the same once you hit it with your metallic paintbrush. cover the floor in jade-green penny tile, paint the ceiling cream or very pale …

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Strictly a cosmetic package, the Hakone Edition comes with high-visibility metallic “Hakone green” paint, bronze-finished and twisted-spoke 17-inch aluminum wheels, and a contrasting black rear …

High Gloss Black Car Paint Meanwhile, the flagship $108,200 SQ5 Black Edition sits at an $8700 premium over the standard car … metallic paint, … 2010-05-16  · The following video is done by professionial kevin kurty. He is applying Gloss Paint to a car that has already received a Black Paint Cover. The Following Car is a Mercedez Benz. The sq7
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Modern Masters Green Patina Metal Effects Paint Oxidizing Finish Kit creates a beautiful oxidized metal finish on any paintable surface. Kit includes everything needed to create an accent piece with a distinctive, timeless look on interior or exterior surfaces.




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