The market for CPN numbers is very high since the economic woes of 2008 until now.  In fact, the demand for CPN numbers pre-2008 was even higher when they were being utilized for real estate and similar niche methods to help support financing during the funding era.

In recent times the bureaus have become much more intelligent in detecting a CPN number versus a person’s real SSN.  CPN numbers can work if done correctly, there are people out there who put the unnecessary time and effort into building a profile from a CPN number.

CPN Numbers are cheap, and can get anyone quick and easy credit, but the long term may carry risks that are simply not worth it.

However, we do not recommend utilizing CPN numbers because we feel they are illegal.  Some will argue that a CPN is not, websites such as “Legal CPN” claim that their approach is legal, and the truth is their approach is legal however nobody would ever get credit utilizing a credit privacy number from legal CPN.com because they are simply masking an EIN to look like a CPN credit privacy number.

They simply attach your number to a registered EIN and number which makes the process seem more legal in some sense, but it defeats the entire purpose.  Why would a bank, credit union or lender issue credit on a personal SSN, that has somehow been filed as EIN number, has no history, and simply will not pass the litmus test of the credit bureaus.

Bureaus will check to see when your SSN card was issued, this poses another problem for CPN’s.   If you have a recent issue date, its simply not that easy to get funding especially when the lender has the right to deny you for any reason.

Our CPN numbers legal?  They have other names too…like SCN.

Not to mention, is this even legal anyway?  I can’t imagine anyone thinking that a SCN number would be legal.  You’re not disclosing that is a SCN on credit file, the lender on an application is requesting your SSN.   If it’s not fraud, is certainly very close to the line.  And, I would not want to be that person who defaults on credit they obtained with a SCN number.   CPN credit, CPN Trade lines, it all brings a certain element of risk when you are dealing at this level.

The good news is you don’t need to build a CPN.   But it’s easier with an SSN anyway.

When can a SCN/CPN Profile be of use to a consumer.

There are cases where a CPN profile may work for a person.  Somebody who is interested in immediate credit scores, to impress a landlord, or for other personal reasons that would be considered more private rather than institutional, this can make sense.

We have seen people rent luxury homes under a CPN profile, then reread the property to others you have poor credit knowing that if they default only there new credit number would be affected.

They generally will collect a premium from the renting party who has poor credit, but is willing to pay because they believe the person who is subletting this property is risking their personal credit but they’ve been building for their entire life.

There are many creative examples such as this to utilizing such a number.  The trick is getting a clean CPN number so the Trade lines will actually post.

Most people don’t understand that it’s important to open the file with an authorized user first, or a simple inquiry to a letter will pull a single bureau is preferable so you save the inquiries on the other two bureaus.

Once the inquiry is pulled and the file is open, it may be wise to add an authorized user to the file to establish a stronger profile that is ready for Seasoned Trade Lines.  

50% of the time a lender will detect a CPN number, this percentage could go higher as their systems are becoming more and more intelligent, and once again we still believe that this is a gray area and possibly illegal in some cases and is just simply not worth the risk especially when a person can simply use their own personal social security number and removal credit items quickly, add new Trade lines to their profile creating a much stronger file to go to the lenders with.

A 750 with a Social Security number real profile is much more valuable then a similar profile that is a CPN.  In fact, it is our experience that we have seen almost 70 to 80% of the credit gets denied that should have otherwise been approved utilizing a CPN number.

 There is a very  exclusive group of people out there who like to take risks,  but they do get credit utilizing credit privacy numbers.

If you are interested in a CPN number, there are ways to make it work but it must be handled a certain way.  Legal CPN charges $300 including a very straightforward contract preventing you from doing or executing a chargeback.

They have put a lot of thought into their website and how they approach a CPN number, is quite clever actually but it will not get anyone and also credit so it’s not worth the time.

It is amazing however, how many people have started with a legal CPN number that they just simply threw away, it’s almost like an initiation into the world of CPN when getting started in this business.  

Note: We do not sell CPN profiles. CPN numbers are simply being used for fraud, and its not worth the risk. In some cases, its a solution that works, but in most its not. Please use caution when dealing with people who build CPN files. You can accomplish much more with your SSN file, and legally adding credit with AU’s and primaries.

 One of our key partners here at Tradeliner in the past was highly involved in helping people achieve business credit.   At one stage, we actually offered business credit services including a client login portal, a very intuitive backend and back office that guided a client through the business credit stages.

The idea is to assist people methodically step-by-step in achieving credit without using a FICO score.  “No personal guarantee” credit, or No PG.   Helping them get a “Paydex” score was somehow the goal, but offered little value to the consumer, and ever less to the small business owner.  There were many challenges with this process and the fact is business credit is difficult to deliver, and banks simply are not likely to lend on a Paydex.    I have yet to see it happen…have you?

This article will compare the two processes and show why in detail we do not engage in helping people get quote ” no PG credit”, credit that does not require a personal guarantee.  Its an enticing concept, and many fall of it.  but, overall FICO is king.

A FICO Score will no question be your biggest asset, and will get you funding easier with many more lenders faster.

So…here is how it goes.   First, many times services will offer a shelf Corporation.  A shelf Corporation is a company that could have many issues that the consumer does not realize until it’s too late, yes the Corporation may be dated, seasoned,  but there could be land-mine type issues that will surface when it comes time for the application process to begin, and that is not good, after you just spent countless month building business credit.  

Business Credit Rarely Delivers

This is one of the many problems with this industry is you could be building credit on a expired company that was later reinstated but the process was not completed correctly and will be flagged by business lending institutions.

Secondly, during a period of time when financing his become so strict, every “T” is crossed and “I” dotted these days is simply not prudent to pursue something as far fetched as business credit in the short term.

Yes, there are real businesses with storefronts, restaurants etc. that do establish some degree of business credit over a period of time, and this can work to their advantage, but in the and the lender will want collateral, if you don’t have a Fico you better have assets.

Adding A FICO To Your Corporate Credit Profile Works

But even then a person is better off adding a personal Fico score to support the business loan application as simply a “ghost guarantee”, which simply means a personal five ago will guarantee the loan if it defaults however the credit will not be reported on a monthly basis and affect the personals credit score during the payment.

Business credit, corporate credit, business Trade lines these are the terms you will see for this particular industry.  There are some, which have proven to get business credit utilizing Seasoned Trade Lines on a corporation.   Now this changes the game a little bit simply because once again you are dealing with a ” seasoned trade line “.

Even a lower final score can help support a solid business credit profile that has a number of strong business credit Trade lines that are seasoned.  The primary asset here is, the final score 640 and higher, and the extensive corporate credit.

In the end, compared to a strong 750 ago score with multiple seasoned primary Trade lines, and a perfect payment history, there’s just simply no comparison in the ability and speed to get credit.  We have seen many files that have open collections, medical bills, and charge-offs, even an old BK that was overshadowed by all the new and seasoned positive credit history that was recently added, but was added for the purpose of getting credit.

You have two options when building a personal credit profile, remove negative items, add new season credit history.   Some credit history will be stubborn, but this does not mean you cannot apply to certain tradeline lenders to get approved.  You may not get the amount that you’re looking for, but this can always change your later stage. 

Business Credit Tradelines if Seasoned Can Have Impact

If you are pursuing business credit now, you may find you’re going to end up with small accounts with OfficeMax, Staples, and stores like this, they will lead you to believe that you will ultimately obtain a $50,000 unsecured credit line …and I am here to tell you this simply will not happen without a personal guarantee behind it.

I have yet to see or hear of anyone truly getting a unsecured business credit line using the common corporate credit Paydex approach.

This is how they drag you out for months and up sell you a long way, be careful of these services I have yet to see a person get a 50,000 unsecured credit line utilizing business credit without season Trade lines on any seasoned company that we have seen, but when it comes to a 750 FICO score, well thats almost an automatic approval if you have the balance of primaries and seasoned tradelines to support the file, and at 1/3 of the cost.

To learn more

Seasoned Tradeline Providers

The truth about Seasoned Trade Lines

Seasoned trade lines are rare indeed.  If you’re lucky enough to ultimately find a good resource for seasoned primary trade lines… Well then you are only weeks away from a massive makeover with huge impact on credit scores with any file regardless of how bad your credit is.

 The truth is, seasoned trade lines are provided by companies who are set up with the credit bureau to report credit that did not happen, thats why its called seasoned.  These companies have numerous standards that they must meet before they can freely report seasoned trade line history.  But, once they achieve this, they power to report history is unreal. 

 Seasoned tradelines, combined with solid credit repair program,its the fastest way to massive credit lines, new car, a house to rent, or buy.  Nothing like a 720 +credit score.  

The companies are generally small businesses who have established a well documented history of clients who apply for credit.  Jewelry stores, computers,  furniture stores, auto dealers etc..

Every so often a company will allow for a portion of their reporting inventory to be utilized for seasoned credit history that will ultimately be reported as if the payments have been coming in perfectly for up to 5 years.

Basically, the company is willing to make a deal with a client.   The company will claim that they have been accepting payments for credit for the last five years on a open season trade line client get a seasoned trade line with a very low or zero balance, and a perfect payment history.

The credit bureaus will allow up to five years, if you can prove you have an existing client database.   The bureaus will typically do an on site inspection, but overall it’s quite easy for establishing business to allow for 100-200 reporting trade lines within their current inventory, which they gladly resell to those who are interested in aggressively fixing their credit and positioning themselves to apply for online credit cards using tradlines for credit.

 Seasoned Tradelines 2012

We are happy to have access to a number of very solid primary tradeline providers this year, and can only hope it continues well on into 2013

 Our firm does not engage with or report credit to the bureaus, we leave that up to the companies who want to sell them.    

The few proven trade line providers out there claim that what they are doing is not illegal, and therefore they resell these guidelines.   Being that it’s private bureaus that regulate this, it seems to make sense but we have not seen any issues, or companies have any legal issues, and would not expect any clients who are lucky enough to obtain a trade line on their credit would have an issue either.

Tradeline providers come and go.   The longest lasting provider that we are aware of was four years and four months.   unfortunatly this jewelwry company continued to collect payments for months, knowing they were finally shut down by the bureaus.  This does happen, and it will continue.  

Currently we are working with a provider that has been successfully posting for the last 13 months.    We expect that they will be around for some time, being that they are doing it correctly.   They are very large company reporting thousands of trade lines each month, and only a small portion is designated for resale.  

Our opinion is get them while they’re available, because they are incredibly effective in what they are designed to do.  

A five year, unsecured seasoned credit history is substantial, and has a significant impact regardless of your negative items showing.   Today, with the technology of most repair companies, removing negative items is simply a matter of process.  It’s the trade lines that we are all looking for, and for the moment seasoned tradlines 2012 has been a good year.

 Getting in on primary tradelines fast is the key, because they are rare most of the time, but the impact is immediate, and well worth the wait.     To learn more about our latest provider contact us using the red button to the right.  

Video regarding piggy backing for better credit.

Tradelines in the  News

“An insider’s tip that you will never here from other trade line companies.”

   Locking your credit file to ensure the bureaus only pull a single bureau.

   Why you should lock each bureau and show only the bureau the lender requires?

   Seasoned Trade lines and CPN credit is a careful and meticulous process that should not be compromised once you ready to apply.

   Many borrowers make the mistake of having all three bureaus open and accessible to the banks and credit unions when applying for CPN credit.

   The best approach to your CPN or SSN application is to show only the particular bureau that the bank requires wants to see.

   90% of the banks we use, only pull on bureaus but will look at the other two bureaus if its available to then to see.

   Having all 3 bureaus available is not always the best approach, and this will dramatically limit the total amount you can borrow.

  This typically will reveal components of the file that may not help
  your application and or compromise the file.

“The key here is to maximize the amount of tradeline credit a person can borrow. “

Trade Lines are highly effective when used.  

They will almost always have an immediate positive impact on credit.  

The secret is to approach each bureau separately, and try and borrow from each bureau separately.   A person can obtain funding up to $50,000 or even $100,000 per lender, which

can double or triple the average amount that most borrows settle for.  The makes for better use of inquiries too.   If you interest is to borrow larger amounts,

We have higher level files at that have obtained over $250,000 in just credit cards.

The ability to lock each bureau is only available with certain credit monitoring systems, which Tradeliner.org is using the top

reporting systems on the market that work well for locking and unlocking bureaus from showing your report.

Getting access to seasoned trade lines is a rare find indeed, but when the provider is posting in a timely way, then consumers will jump on this opportunity because they know the massive positive impact that primaries can have on a bad credit score.   Not only will this boost scores, but will improve your opportunities to access credit cards, business funding, auto loans, home loans, etc.  

If you are interested in more tips and secrets about the process, or wanting to learn more about how

This program can help you access funding in the next 30-45 days… Learn more by clicking the “get access button to the right.  

Seasoned Primary Tradelines

“Primary Tradelines” Get Credit Faster

We understand the demand for immediate credit history today!  This is why we use Seasoned primary tradelines guaranteed to post and improve credit scores in less then 7 days.  

How to choose the Seasoned Tradeline Package that is right for you.

We typically experience two types of borrowers.

1. People who’s primary goal is to access cash
   
2. People who’s primary goal is to access an auto or home loan
   

Getting Auto Credit using a CPN Profile

If you primary focus is a vehicle, then by adding a “paid in full” seasoned primary auto loan onto your file would be highly beneficial to you. Now…this does not limit you from obtaining credit cards, but it will certainly help you obtain autos without any delays.  To get high end sports cars, cars that required funding of $85,000 or more, you will want to show at least 1 installment loan of $50,000 and 1 auto loan paid in full of at least $30,000+.

We strongly recommend repairing your SSN profile to get credit.  CPN Numbers are inconsistent when getting approved with certain lenders, however there are cases when a CPN number is the best option.

How to get a Mortgage and investo in Real Estate Credit using a CPN

If your primary focus is to borrow hard money and private money for real estate investment, then adding mortgage credit would be wise. This will allow you to easily capitalize on private contracts with investors, property sellers, private lenders, lease options, apt rentals, impress brokers, satisfy real estate agents, the list goes on and on. We do not suggest using your CPN file to borrower mortgages, there is a much more affective approach for this. Contact one of our mortgage consultants to learn more about mortgage credit using a CPN.

How to get Credit Cards using Seasoned Primary Tradelines and Authorized Users.

Obtaining credit cards using seasoned tradelines can be achieved in a very short period of time.  A person can access up to $150,000 with various lenders.  The most common approach to getting funding. Our revolving AU’s and seasoned primary tradelines will have a powerful impact on your files credit rating. Credit card lenders can have limiting policies to the number of inquiries a file is allowed to have before getting approved.  

We typically recommend apply for credit cards in the first phase of the application process, and reserve the remaining inquiries for business and personal credit lines in the second phase of the application process.  

Banks will allow up to 6-9 inquiries on credit cards but credit lines may go up to 12 inquiries. Let our expertise in managing not only the most effective lender to apply to, but knowing which lenders allow high inquires is the difference between success and failure.

Seasoned Primary Tradelines provide a powerful impact on a credit file, they work so well, that mainstream credit repair companies use them on high price point files for upscale clients.   The will also allow borrowers to get much more credit in a shorter period.

Is Bad Credit Holding You Back?

Get The List:  Authorized Users Tradeline for Sale.  

 Tradelines for sale on a limited basis, you must apply.

Example Tradeline package #1:

1 Seasoned Primary Tradeline

3 AU’s (authorized Users)

+This file include 1 premium line

Get Started Here

The Primary Tradeline will be an “paid in full auto” loan, allowing for easy auto financing. The AU’s (authorized user) will be  a revolving credit Tradeline up to $20,000. This will easily allow for up to $100,000 in credit card approvals, and your new score will reach the 790-800 FICO level. This will also allow for co-signing for business loans, credit lines, and other similar credit. This file can be obtained for a $800-$1,300 investment.  (Pay with Credit Card)

Example Package #2:

2  Seasoned Primary Tradeline

2 AU’sAU’s (authorized Users)

+This file include 1 premium line

By still accomplishing the all-important “4 Tradeliner file”, you can access more lenders and banks who typically require a minimum of 2 primaries. Primaries are typically more expensive, and can sometime be a factor for many clients. This file can be obtained for $2,800 investment.

These Packages can be incorporated onto a SSN or CPN file, however many seasoned tradeline providers are not allowing CPN numbers, so the selection is limited with CPN. 

Contact us today

Example Tradeline Package #3

2 Seasoned Primary Tradeline

3 AU’sAU’s (authorized Users)

+This file include 2 premium lines

This primary tradeline package will include a very strong AU’s-authorized users and a installment loans, and open revolving tradeline account. This file is a proven profile that produces not only higher limit approvals, but can have a much lower denial rate. Currently, over 25% of files are denied, its simply the nature of the industry. Minimizing denials and increasing the approval limits can be the difference of adding a single 5^th primary trade line. This file can be obtained for a $3,050 investment

Trade Line Package #4

3 Seasoned Primary’s

3 AU’s

+This file include 3 premium lines

This file will have a nice balance of the following: one Installment loan, almost paid in full. One revolving account and one paid in Full auto. The AU’s will be revolving account will over 10 years seasoning. This file has very few issues and a very low denial rate. 6 trade line file is a favorite of our processing team for obvious reasons. This type of file can be obtained with a $3900 investments.

Contact us today

Structured Seasoned Primary Tradelines

Below is a list of seasoned primary tradelines that are available now.

• $10,033     REV, INSTALL,JEWELRY,FURNITURE,AUTO
  
• $20,045     REV, INSTALL,JEWELRY,FURNITURE,AUTO
  
• $30,067     REV, INSTALL,JEWELRY,FURNITURE,AUTO
  

(we have new providers that are now live and posting, contact us for our latest list.

Lines will show up as a Finance company, Jewelry, Furniture Company.

*Seasoned up to 7 years

Posting dates: These trade lines post twice per month. 1^st-5^th and 20^th-25^th.

(note, we have a tradeline provider that posts in 7 days, no posting dates, just posts fast.  

*all orders must be submitted by the 5^th and 20^{th , for certain tradelines only.} 

Update:  With recent technology advancements, most of our tradelines are posting in 5-7 days.   This is Awesome!  

Contact us today

Custom Seasoned Primary Tradelines  (limited)  

These have a limited availability   

These primaries are ordered direct from the bank. This lines can go up to 50,000. No revolving lines at the time but will be

added soon. We simply use one of the REV accounts from above, so this has not been an issue.

Features.

• Up to $50,000
  
• Up to 5 years seasoning
  
• Installment Loan and Auto/Lease
  
• Posts very FAST.
  
• Open or Closed
  
• Show as a finance company
  
• Credit Union Posting methods
  

Mortgage up to $500,000 coming soon!

Lines post in 7-10 days from the monthly transmission point. All lines are submitted each month between the 10^th-

12^th. Lines will post without fail within 10 days of this date.

All orders must be in by the 10^th of each month. It is recommended that you become a client 2 weeks prior to your order. Our current waiting list ranges between 5-30 days depending, so please contact your agent if it’s important you catch the next available posting tim

Using a combination of the primary tradeline above, provides for maximum credit. Tradeliner is the only direct source in the industry that offers AU and 2 sets of seasoned primary’s which is the reason we are considered to be not only the most credible tradeline company in the business, but the most effective. We offer a 100% money back guarantee. We expect all clients to understand the complexities of a complete credit ready CPN profile. We offer free posting for lines that may not have posted timely, of lines that have been removed prior to accomplish the client’s goals.

Members

Premium member. A person who wants a custom file developed for a specific purpose including funding.

Preferred Member: A person who needs only primary tradelines and has a funding source, or a person who needs only funding service.

Brokers/Member: Providing wholesale services to brokers and affiliates.

How do  Seasoned Tradelines Work?

Trade lines today are much safer to order.   with faster posting times, Trade lines that are seasoned can post  guaranteed within 5 to 7 days.    We  strongly recommend paying with credit card when utilizing  a provider  for the first time.

 Seasoned primary Trade lines do exist,  there was a time in 2011 that they seemed almost extinct.

They are usually available  to purchase from a small business who is currently reporting credit and has been for many years.    if a business sells furniture, autos,  medical supplies, jewelry they can offer clients credit and report them if they do not pay.    many times the small businesses will resell a portion of their reporting capability to train my brokers like us.

Many think that this is an illegal process,  but is more about how the Trade lines will be used when it comes to liability.   accessing a good provider who does not get greedy and oversell a large percentage of their reporting capability is the key. When we  work with a new Tradeliner provider we are very particular in understanding their reporting capability,  how many Trade lines they are reporting versus their existing clients  which allows our team to assess the risk in the longevity of this paper.   some providers may last years,  others who do not follow the rules of the credit bureau will last only a few months.

Our philosophy is when posting,  Everyone is happy with Trade lines are not posting,  well  is simply not fun for any of us.    The pursuit of Trade lines is ongoing, because they are simply the most effective way to access credit, that leads to more funding.

How We Approach CPN Numbers and Tradelines

Ok, so how does this work?

When building a new CPN credit file using tradelines, the first thing we are going to ask is…

1. How much credit are you looking for?

2. What are your financial goals for this new CPN credit profile?

If you are purchasing a car, or looking for credit cards and credit lines,

Maybe higher limit premium cards, or leasing a multimillion dollar home,

these answers will determine our approach

How Bob Used Authorized User tradelines to Get Credit

For example, Bob and his wife were recently affected by

A home foreclosure, and they now want to rent a home on a lease option.

The only people who are going to look at his credit is a realtor and a

very motivate homeowner who is wanting to offset his

Payment in a 8,000 sqft home.

Bob did not have a big budget to work with, but Bob was pretty good negotiator and

new he could make a deal, and deal he made.

We provided the lines needed to impress the homeowner and realtor with scores of 772 and a high credit of 30k

And over 70K in available credit which certainly gave the homeowner a comfort level that he could pay up.

Bob was able to get the home at a $3,000 monthly lease, this home was

Valued at $1.4-2 million in the past, but the market is down for high end homes.

Even better, he got an option to Purchase the home for 1 million for up to 5 years.

So, Bob is now living in luxury, in a home that is certainly going to be worth more

than 1 million within the next 5 years.

Bob used his credit card for the down payment and deposit, first and last months rent of $10,000

He is using his remaining credit to offset the payment over the next 2 years, and expects to market

the home for $1.6 million successfully within 12 months.

We are experts in getting funds from banks. We build files according to the deal.

Not all CPN Numbers are created equal

Our CPN number are created and checked with over 3-5 scans involved, skip traced, validated.

If you have a CPN number from another source, its best to start again in most cases.

Getting credit using my CPN number

The amount of credit may vary. But those who can afford to invest

in higher quality trade lines, get much better results.

Our clients range from former mortgage brokers, law firms,

sports athletes and the everyday person who just needs better credit.

Don’t worry, even the minimum level 1 profile can yield

results that are truly outstanding.

We have 3 levels of various packages that range from $1,500-$9,500. We can customize any CPN Number for

maximum credit once the file funds.

A strong CPN number profile can be built starting as low as $1,500.  But…its is strongly

recomended to speak to your agent about this, most clients choose the higher end packages.

Email us for more info about the various levels we have for trade line and authorized user packages.

Authorized users, we like them.

Some people think authorized users tradelines have little impact. That is not true. For personal credit,

We prefer to use a much more reliable AU file, then the highly elusive seasoned tradelines. Again, we want to

be smart about the approach and do it with minimal risk. Even if we obtain $20,000 less in credit, that is

Better then a file that is flagged in 120 days due to the single seasoned primary that was added to

a perfectly good file.  All seasoned tradelines used are coded with non connecting numbers, so there is no

chance of the “once one is flagged, they all are flagged” affect.

Add Tradelines- Get Credit. Its that simple.

Our clients average $75,000, we could get more, but many ask for lower credit amounts. We do ask

That we obtain as much as possible since this is how we are compensated.

4-5 primary trade lines with level 3 (higher limits) can get up to $150K-$250K

Buy a Card using a CPN Number

Car loans using a credit privacy number are easier than ever before not sure why, it just is.

Any CPN credit file will be able to walk into a bank and get a car with little or now money down.

Clients report getting $85,000 with BMW, or $60,000 with GMAC all the time.

We do provide a list of banks that work well for this.

“Here is a recent example of a CPN credit Profile“.

Terry McMahon.

Credit cards- 15k, 10k, 10K, 7.5k, 30K.

Auto-38K

Corporate credit-$125K.

This did require another 5K for an aged corporation package, which was funded by the phase one credit.

We used 6 inquires, and was able to get two credit lines

for the business using 4 more inquiries for a total of ten.

If you are interested in working with our team of professionals to buy tradelines, build a new cpn credit

profile, or enhance your current file, you can email us here.

Want to enhance your credit profile? Send us your access info and we will do a review and make

Recommendations for free. SSN credit profile, CPN profile, its all the same to us. We can add primary tradelines,

Authorized users, and raise your scores 120 Points in 35 days or less. Pull your report here!

CPN credit, seasoned tradelines, credit privacy numbers, CPN scams, tradelines scams