Legal Question in Credit and Debt Law in California

Secondary Credit Number (SCN)

What are these numbers? Legal? Fraud? Legitimate?

Several internet sites claim them to be a legal way of starting your credit life over with a new number, but not to dismiss the responsibility tied to your SSN.

Asked on 9/03/08, 7:39 pm

1 Answer from Attorneys

David Gibbs The Gibbs Law Firm, APC

Re: Secondary Credit Number (SCN)

They are fraudulent. From what I have seen of this scam, they have you apply for an Employer Identification Number, and try to establish credit under that number as opposed to your own. You have only one social security number, and one credit file, and creating a secondary one is fraudulent unless you legitimately establish a separate business entity, and apply for credit under that business entity - not using its number as your personal social security number.

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Answered on 9/04/08, 12:28 pm

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