FAQ

SCN FAQ

What is a Secondary Credit Number (SCN)?

A Secondary credit number is a nine digit number that takes the place of your social security number, separate from your social security number used to protect your Social Security number from Identity theft.

Where does the number come from?

An independent third party.

How long does it take to receive the number?

Typically it takes three to four business days

What's the cost for a SCN?

Call or Email for pricing at:  info@scnfirstclass.com (or) creditrevived@gmail.com

Is this legal? (over the internet you can find sites that say Yes).

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 (View The 1974 Privacy Act), 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.

Am I responsible for the debts on my old report?

Yes! We suggest not to use the SCN as a way to avoid any debt (defraud creditors) under your Social Security Number or E.I.N. You are responsible for all debts on your current credit report and debts incurred with your Credit Profile Number. You must remember while you are rebuilding your credit, you must use your new SCN wisely. If you have had challenged credit in the past, don’t repeat your mistakes.

Does SCN come from people that are deceased or incarcerated?

No definitely not! Our SCN are clean numbers that aren’t attached to anybody including the deceased, the incarcerated, and S.S.N.

Is this file segregation?

No, definitely not! FILE SEGREGATION IS ILLEGAL!!! This isn’t a program where we tell people to defraud their creditors or use E.I.N./T.I.N. to possibly gain new credit after filing bankruptcy. We encourage people to pay off their old debt. We educate our customers how to use their SCN wisely so that they don’t make the same mistakes over again.

When filling out an application for example (a department store), would I put the SCN in place of the S.S.N.?

Yes,  be sure to use the information you provided when you applied for your SCN

Can you use the SCN Number to refinance on a mortgage?

Your loan is in your Social Security Number or EIN, it would have to be refinanced the same way.

Can I use the SCN to rent an apartment?

Yes,  we suggest establishing some credit before doing so. Most landlords want to see some kind of credit history to determine if you are a high risk or not.

What will my new FICO Score be?

Your credit profile will be blank. You will need to establish your new credit by applying for credit cards (secured and unsecured) and other lines of credit. Your new credit score will then be around 700 or above.  Please refer to the SCN Suggestion List!

What can I use my new SCN Number for?

You can use your new SCN Number for anything that requires credit reporting purposes. Use to get Bank Accounts, Credit cards,  Auto loans,  Apartments, Utilities, Cable, Cell phones, etc.

What are some of places you suggest we apply for credit using our SCN?

“Google” Unsecured Credit Cards and apply for cards that are for Fair to Good credit ratings.  Also Google Secured Credit Cards because Secured credit cards also report to the credit bureaus!

Can I use the SCN Number to open a bank account?

Yes, as long as you never bounce a check or misuse the account in any way.

How soon can I run my new credit?

After you receive your SCN, start to build your new credit profile by following The SCN Suggestion List!

How soon can I apply for Credit?

After populating your SCN in the credit bureaus by adding AU’S, secured and or unsecured credit cards you are ready to apply for credit. It usually takes 60-90 days to be strong!

How can I be guaranteed this will work?

Remember this is a process and not a quick fix, However; we have been in business since 2011 and helped hundreds reach their financial goal by building a new credit profile.