U35 – Hacking the SSN Scheme Part II of II 0:04 All right, thanks for joining us. 0:05 This is going to be part two of my first video on hacking the Social Security number scheme. 0:12 And so, I wanted to focus more on what I first called A call this as a computer, sorry, a credit profile nu…

U35 – Hacking the SSN Scheme Part II of II
All right, thanks for joining us.
This is going to be part two of my first video on hacking the Social Security number scheme.
And so, I wanted to focus more on what I first called A call this as a computer, sorry, a credit profile number.
So back in the nineties, I decided that I didn’t want to use a social security number.
And the banks had changed their policies around 96, 996, 97 to where it was really difficult to negotiate my way into getting a bank account without an SSN.
And so, I just went and created a whole new file, and the reason why I did that is because I did some investigation, and I can’t remember exactly how I figured this out.
But the banks, I determined that the banks in opening an account only check to see if your SSN had a credit file associated with it, with that address and that legal name that you’re, that appears on your documents. So, when I realized that I, I figured I could just create a whole new file, and how do I do that?
Well, I just kinda guessed that a new file was created the same way. My new file was created when I first got a credit file, right? So, everyone starts out with, it starts out with no credit file. And the way you get credit as you asked for credit. And most of the time, it’s denied unless you have a co-signer.
Like, for example, if you’ve never used credit and then you apply for a car and someone cosines for you, then you’re gonna get credit based upon the other person’s credit file, and then your file will be built along with that file. And then you’ll start getting credit card offers, that’s typically how it happens. So, anyways, that was my guess, and it worked, just fine.
I set up a whole new file and back then, in the nineties, I had to reverse engineer how the number was assigned, because back then, it was assigned.
In groups, the SSN was assigning groups per state.
And you’ll see in part one of this video two part series. I’m explaining that in there.
So what I wanted to show you was this website, and I’m not promoting the service, I just think that the website that presents this whole concept is the most comprehensive I’ve ever seen.
Now, in the nineties, I’d say, around 997 or 98, I took all my research, and I put it into a report, and I think I called it the credit profile number, or something like that. And I sent it over the Internet way, way back before. I mean, even even. There was even a browser. I mean, it was really archaic back then. But it’s still nonetheless. It went all over the Internet, and some people picked it up and develop businesses out of it, which is what I intended, because I didn’t want to do that. I had other interests. But I wanted to get that knowledge out there, and I didn’t want to sell it, because I just felt like it’s not something that should be branded and sold as a product in itself.
I feel like it should be one of the tools that a professional, someone that’s doing my kind of, services, would provide to his client as a means to solving a problem. And it’s not really a product in itself, in my opinion, And I think that’s the responsible way to use this. But if you look at this website, I’m gonna show you right now I’m gonna switch over there and just walk you through it.
All right.
Yeah. Here we go.
So, this is FICO pump dot com, OK. Everybody wants a better credit score to borrow some money.
You guys probably know what my attitude is on that.
I’m just going to show you how to get the file, and that it’s legal, OK.
They have a lot of presentations on here, a lot of things are being said, there’s a video here, that this gentleman is talking about, it’s a very short video, talking about the use of the number, and how it’s being used, and what its purpose for doing this. And I agree with everything he’s saying.
So if that has any help, that helps you at all to make a decision, this sometimes is a solution for some people.
The times I’ve found myself using this is when I needed to really change the financial profile of a client.
For some reason, in some cases, there were, a couple of women I worked with, that were being literally being stocked, and part of that problem resulted from their paper records, credit file. Their banking profile and things like that.
Public records like driver’s licenses and so I changed those things on paper and this is one aspect of this.
So, they call it the CPF number, it’s kinda redundant, right?
Credit profile number number, right, SCN second credit number, my use of the word is credit profile number. They call it a credit privacy number. It doesn’t matter.
CPM generally, OK?
All we’re doing is we’re creating a new credit file with your legal name, and the way you have to do it is use a mailing address or a physical. You have to the best way to do it as a residential address, where you can receive mail that you’ve never associated with that.
Credit profile number before and your legal name.
The reason why you want to use your legal name is because typically you have documents to show that that’s your legal name.
Now, like I explained my first part, the credit file number is not to be used, where you need to give an SSN under penalty of perjury. Now, that’s not to say that disclosure of an SSN is required by law.
I’m just saying, if you’re going to disclose an SSN, and it’s under a on a government form, and it’s under penalty of perjury, Um, you don’t want to use it a CPA, and you want to use an actual SSN that was issued to your name by the Social Security Administration.
So, anyways, they have a lot of information here about this, it goes on, it’s not like someone’s allowing you to do this, OK, This is just recordkeeping.
Um, and they talk, they talk about, you know, all these things, like I just explained, and then here’s the guy’s video, and then it goes into, how does it work, OK? Basically, you apply for credit, get denied, that opens your file. Then you start building your profile, OK, there’s a step by step process, some services, like, probably, this service probably does it for you. You can do it yourself.
You don’t need this service, But it’s kinda cool to have somebody that, you know, knows what they’re doing, and so forth. All right.
They tell you.
I mean, this is, this is correct.
OK, they’re telling you the correct information, I’m glad they have this because I don’t have to re-invent the wheel.
So, someone took this information from years ago and developed the process by, which you can use the number, um, it gives you more information here.
Also, just keep in mind there, like I said, in the first video there, there are penalties for non disclosure, but it’s $50. It’s a $50 penalty and I believe it’s under title 26 of the tax code. Usually, it’s a disclosure on tax forms and it’s 26 USC 672, I believe. And it used to be a $50 penalty. And I believe, since the seventies, the IRS has never enforced it because they’re just looking at it as a de minimis failure. Like, it’s not worth talking about, OK?
But anyways, this is the thing that really convinces people, OK, if the FBI says, OK, then it must be OK, right? And it’s funny because I haven’t seen this since the nineties. People would know the company for a solution to a problem.
And maybe that part of that solution involve getting a number like this.
And when I explain to them how it works, just like I’m talking to you now, you could hear this pause, and then they would ask, OK, I’ll do it, but it’s illegal.
And, you know, my explanation was, always, look, having a gun is legal. Alright.
Signing your wife’s name on something is legal.
But if you’re doing it it, in order to commit a crime or defraud somebody, then the act of doing that may be an element and committing the crime. So if I think you’re going to do that, I’m not going to help you. If you come to me and asked me for help in that sense, I’m not going to help you. But it’s kinda nice to see where the FBI here saying on its website, you can go find this on the FDA website. I saw this personally. But this is nice, they have it on this website here for a FICO pump.
And it’s telling you, credit privacy numbers, as the FBI says are nine digit file numbers that follow the same algorithm as social security numbers. It’s close, it’s close.
Remember, I told you the long time ago, last video, but tennis for years?
You don’t think your SSN is only for you.
It’s already being used by other people.
The nuance here is you want to make sure that if you’re going to do this, you’re not going to interfere with someone else’s use of his credit.
And so, the way you make sure that happens is make sure that your name, address, and date of birth, and credit profile number remain distinct. And if anyone else’s file information gets merged with yours, or your old information gets merged with your new file, you want to dispute it for accuracy and get it removed, you can use the law is very well in your favorite for that. But, anyways, you can see FBI saying, Yeah, that’s fine, but it doesn’t relieve you of debt and other legal duties.
And like this guy’s explaining in the video, don’t use it for, let’s say, application for a driver’s license. That’s not going to work.
So that’s That’s a summary of it.
It’s not that complicated, OK, so it may be a solution for some people, Typically, I use it, and I’ve only done it, maybe for, gosh, on thousands of cases, maybe 15 times for people to solve a problem or a part of a problem.
So anyways, it is a tool you may want to might want to consider it. When used responsibly.
It’s perfectly legal, you know?
So, I hope that helps. Thanks for watching.


1. The video is a sequel to an earlier presentation about hacking the Social Security number (SSN) scheme, primarily focusing on creating a ‘credit profile number’.
2. The speaker discusses the difficulty in negotiating banking systems without an SSN, which led him to devise a new system in the ’90s.
3. He uncovered that banks only verified whether an SSN was associated with a credit file, alongside a legal name and address, during account setup.
4. The speaker explained how he created a new file, hypothesizing that it followed the same pattern as when a credit file is first established, which was then confirmed through successful application.
5. He had to reverse engineer how the SSN was assigned since, during the nineties, SSNs were distributed in groups per state.
6. The speaker mentions a website, FICOpump.com, which provides a comprehensive guide to his system and endorses its content.
7. This approach to credit profiling was first shared by the speaker on the internet in the ’90s, intending others to develop businesses around the idea.
8. He explains the need to use a unique residential address and a legal name to create a new credit file, while warning not to use this method when SSN disclosure is mandated under penalty of perjury.
9. The service FICOpump.com offers could be useful but isn’t strictly necessary, as individuals can undertake the process independently.
10. In conclusion, the speaker sees this alternative to using an SSN as a potentially useful tool for resolving specific problems and insists it’s legal if used responsibly.

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