Credit privacy numbers might seem like an easy solution to credit problems, but they're illegal and can land you in federal prison. Learn why CPNs are fraudulent, how scammers operate, and the legitimate ways to repair your credit without breaking the law.

A warning from someone who actually knows what federal prison is like. I've been there—not for credit fraud, but for addiction (clean since 2015). So when I tell you that CPNs are illegal and using purchased tradelines to get loans is bank fraud, I'm not theorizing. I'm warning you about real consequences from lived experience. David Day got 7 years. The Oklahoma City case? 18 months. The FBI showed up at Swatisha Keith's office.