A Credit Privacy Number (CPN) is a nine-digit identifier resembling a Social Security Number (SSN) but is neither issued nor recognized by any government authority. Often marketed as a credit repair tool, CPNs are frequently misrepresented and can involve the use of fabricated numbers or stolen SSNs. While some claim CPNs help mask true credit histories, their use in credit applications constitutes fraud and carries significant legal risks. This guide provides an in-depth explanation of CPNs, their risks, and the realities behind their usage in the credit industry.