What Is a CPN Apartment and Is It Legal?

A “CPN apartment” refers to a property sought by individuals attempting to use a Credit Privacy Number (CPN) during the rental application process. A CPN, also known as a Credit Profile Number or Credit Protection Number, is a nine-digit numerical identifier that resembles a Social Security Number (SSN). However, unlike a legitimately issued SSN, CPNs are not recognized or issued by any government agency. This concept has become controversial due to its association with fraudulent activities, particularly in financial transactions and housing applications.

Understanding Credit Privacy Numbers and Housing Applications

A Credit Privacy Number (CPN) is marketed as an alternative to an SSN, purportedly allowing individuals to establish a new credit file or protect their privacy. Companies selling CPNs often promote them as a quick method to address poor credit history, bypass bankruptcies, or achieve a “clean slate” for credit reporting. They are often advertised on social media, claiming to help overcome obstacles like past evictions or low credit scores for housing.

Individuals attempting to secure housing with a CPN typically use it in place of their actual Social Security Number on rental applications. The underlying motivation for this practice is generally an inability to qualify for housing through conventional means due to a poor credit history or other adverse records. By presenting a CPN, applicants aim to obscure their true financial background from landlords and property management companies during background and credit checks.

Legal and Financial Consequences of CPN Use

Using a CPN in place of a genuine Social Security Number on official documents, such as housing or credit applications, is illegal and carries severe repercussions. This action can be classified as credit fraud, identity theft, or misrepresentation. Its fraudulent use for financial gain or to deceive others is a criminal offense. Many CPNs are, in fact, stolen Social Security Numbers.

The legal penalties for CPN-related fraud are substantial, encompassing significant fines and potential imprisonment. Individuals convicted of identity theft, which often underlies CPN schemes, can face up to 15 years in prison, with some aggravated cases extending to 30 years. Financial penalties can reach $250,000 or more, depending on the severity and impact of the fraudulent activity. Additionally, those found guilty may be required to pay restitution to their victims for any financial losses incurred.

Federal agencies such as the Federal Bureau of Investigation (FBI), the Internal Revenue Service (IRS), and the Social Security Administration actively investigate and prosecute CPN fraud. A lease obtained through the fraudulent use of a CPN can be voided, and the individual may face difficulty securing future housing or credit.

Legitimate Strategies for Securing Housing

For individuals facing challenges in securing housing due to poor credit, several legitimate strategies can increase their chances of approval.

• Find a co-signer or guarantor with a strong credit history willing to take financial responsibility for the lease. This provides landlords with an additional layer of security.
• Offer to pay a larger security deposit or several months of rent upfront, demonstrating financial stability and commitment.
• Provide strong references from past landlords, employers, or personal contacts to vouch for reliability and character.
• Seek out private landlords, who may offer more flexibility than large property management companies.
• Explore local and federal housing assistance programs, such as the Housing Choice Voucher Program (Section 8), for eligible low-income individuals and families.
• Consistently manage existing debts and make timely payments to improve your credit score over time through legitimate means.