We know you may have some questions about us, our services and the way we work, that’s why we have compiled a list of frequently asked questions along with the common answers for you. In case you need more information or in case the question you’re asking is not listed here please don’t hesitate and contact us directly, we’ll get in touch with you.

A secondary credit number(SCN) is a nine-digit number that has the exact same genetic makeup of a Social Security Number. Your financial information can also be reported under this number.

An independent third party.

Typically it takes 48hrs, but no longer than 72hrs.

It is your legal right to keep your Social Security Number private, and use a separate number for any credit related purposes. You can use the existing laws to your advantage for a change. Due to certain rights guaranteed by the (1974 US Privacy Act Title V Click here to see), you have the right to keep your Social Security Number private and not be denied service due to your refusal. The credit bureaus are not government agencies, so you do not have to give them your Social Security Number. To answer the question, YES if used properly. Thousands of people have done it over the past 30yrs and continue to do so.
No…definitely not! Our SCN are clean numbers that aren’t attached to anybody including the deceased, the incarcerated, and S.S.N.
We are a 100% legit and trustworthy company which has sold hundreds of SCN’s and have no complaints from our clients. We use PayPal the world’s largest online payment processor to receive your payment. PayPal has a purchase protection program which covers you 100% against any online financial fraud(Click here for more info).
No. Due to the loan being in your Social Security Number or EIN, it would have to be refinanced the same way.
Yes. We suggest establishing some credit before doing so. Reason being, most landlords want to see some kind of credit history to determine if you are a high risk or not.
Your credit profile will be blank. You will need to re-establish your credit by applying for credit cards and other lines of credit.
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As mentioned earlier, you can use your new SCN Number for anything that would normally require credit reporting purposes. Use to get Bank Accounts,credit cards, personal loans, Auto loans, apartments, utillities, cable, cell phones, etc.
1. Orchard Bank www.orchardbank.com 2. LPC www.lowpaycard.com 3. First Premier www.firstpremier.com 4. Capital One www.capitalone.com 5. Apex www.apexcreditservices.com
Yes, so as long as you never bounce a check or misuse the account in any way.
You will receive your SCN Number in 24 to 48 hours but your public records will take up to 14 days to be processed. You need need your public records for your SCN to work properly.

You can apply for credit after 14 days because it takes 14 days to process your public records.

Numerous people have used this technique to reach their goal of starting all over with their credit history. You can too.