Has anyone used cpn’s out there
I made it a hobby to really read, research and study how the credit score system works,there are some ‘tricks’ (like bumping hard inquiries from Trans Union and Equifax), but there are no ‘secret bullets’,if you pay your bills on time, don’t have high outstanding balances, have a long average account age,you will have a high credit score, and there are the tricks to get it a little higher.
If you have a history of not paying your bills on time, you will not have a good credit score,no matter how many ‘tricks’ you try
Using a CPN will not change the credit file under your social security number, and if a lender starts to issue credit to a business, they want your social security number to check you out, because they want you to guarantee the loan,
People selling CPN’s and the like take advantage of people badly wanting credit and willing to believe anything,