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Despite what "credit repair" companies may tell you, .

Convictions for using a CPN can lead to up to 30 years in prison, heavy fines, and a permanent criminal record. Why Lenders Will Catch You

Providing a number other than your legitimate, government-issued SSN on a credit application is considered "making a false statement," which is a form of fraud.

A CPN is a nine-digit number that looks exactly like a Social Security Number (SSN). Scammers often sell these numbers, claiming they are a legal way to hide a bad credit history or bankruptcy when applying for loans or credit cards. The Legal Reality: It Is Fraud