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      "body": "Hello @cryptogrizz! This is a friendly reminder that you have 3000 Partiko Points unclaimed in your Partiko account!\n\nPartiko is a fast and beautiful mobile app for Steem, and it’s the most popular Steem mobile app out there! Download Partiko using the link below and login using SteemConnect to claim your 3000 Partiko points! You can easily convert them into Steem token!\n\nhttps://partiko.app/referral/partiko\n\n![](https://d1vof77qrk4l5q.cloudfront.net/statics/partiko-poster-best-steem-app-for-your-phone.jpg)",
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      "body": "<html>\n<h1><strong>Small Business Debt Relief - Help Is On The Way</strong></h1>\n<p><strong>As a Small Business Owner, are you struggling every month to make those outrageously high weekly (or daily) payments on all those MCA s (Merchant Cash Advance) that you've accumulated?</strong></p>\n<p><strong>Have you reached the point where your company income can not sustain the high debt burden payments you have built up?</strong></p>\n<p><strong>Are you now facing the very real possibility of filing bankruptcy?</strong></p>\n<p><strong>&gt;&gt;&gt; STOP !!! &lt;&lt;&lt;&nbsp;</strong></p>\n<p><strong>Don't do anything until you talk to this company.</strong></p>\n<p><strong>Read the article below:</strong></p>\n<blockquote><a href=\"https://diversifiedbusinessfunding.com/business-debt-relief/\"><strong>BUSINESS DEBT RELIEF</strong></a></blockquote>\n<blockquote><em><strong>Business Debt Consolidation</strong></em></blockquote>\n<blockquote><em><strong>Solutions For Your Business Debt Burden</strong></em></blockquote>\n<blockquote><strong>We Offer a No Cost, No Obligation, Business Debt Analysis</strong></blockquote>\n<blockquote><strong>After Our Analysis, We Will Offer Suggestions and Possible Solutions</strong></blockquote>\n<blockquote><strong>♦♦♦♦♦♦♦♦♦♦♦♦</strong></blockquote>\n<blockquote><strong>Your business may have gone through some tough times&nbsp;or some unexpected emergencies, and now you have stacked up some very high priced debt</strong></blockquote>\n<blockquote><strong>* Do&nbsp;you feel like your head is spinning trying to figure out the financial market for your business?&nbsp;</strong></blockquote>\n<blockquote><strong>* Do you feel like you are being dragged around from one lender to another without any results?&nbsp;* Do you feel like there is no place to turn to get real financial advice for your company?&nbsp;</strong></blockquote>\n<blockquote><strong>* Do you feel like every time you change lenders you made a bad decision for your company?</strong>&nbsp;</blockquote>\n<blockquote><strong>* Do not despair – There is hope!&nbsp;</strong> &nbsp;</blockquote>\n<blockquote>♦♦♦♦♦♦♦♦♦♦♦♦♦♦</blockquote>\n<blockquote><strong>SERVICES OFFERED:&nbsp;</strong></blockquote>\n<blockquote><strong>♦&nbsp;Analysis Of Business Debt</strong></blockquote>\n<blockquote><strong>♦&nbsp;Personal Debt Analysis</strong></blockquote>\n<blockquote><strong>♦&nbsp;Business Debt Restructuring</strong></blockquote>\n<blockquote><strong>♦&nbsp;Business Loan Modification</strong></blockquote>\n<blockquote><strong>♦&nbsp;Commercial Debt Restructuring Strategies</strong></blockquote>\n<blockquote><strong>♦&nbsp;Debt Negotiations</strong></blockquote>\n<blockquote><strong>♦&nbsp;Network of Attorneys&nbsp;</strong></blockquote>\n<blockquote><strong>♦&nbsp;Organization Debt Restructuring</strong></blockquote>\n<blockquote><strong>♦&nbsp;Debt Counseling Exit Strategies</strong></blockquote>\n<blockquote><strong>♦&nbsp;Graduated Debt Relief</strong></blockquote>\n<blockquote><strong>If you are behind or struggling to pay off your business loans – contact us immediately&nbsp;before the situation spins&nbsp;out of control and reaches the point of no return</strong></blockquote>\n<blockquote><strong>Please fill out the form below&nbsp;One of our Consultants will contact you shortly&nbsp;We Offer a Free, No-Obligation Business Debt Consultation</strong></blockquote>\n<blockquote><strong>BUSINESS DEBT RELIEF</strong></blockquote>\n<blockquote><strong>Business Debt Consolidation Solutions For Your Business Debt Burden</strong> <strong>We Offer a No Cost, No Obligation, Business Debt Analysis</strong><br>\n<strong>We would be happy to provide your company with a no cost, no obligation consultation.Just fill out this contact form below and provide your phone number with the best time to call.One of our Funding Consultants will contact you shortly</strong></blockquote>\n<h3><a href=\"https://diversifiedbusinessfunding.com/business-debt-relief/\"><em><strong>https://diversifiedbusinessfunding.com/business-debt-relief/</strong></em></a></h3>\n<h3><a href=\"https://smallbizkickstarter.com/build-your-business-financially/\"><em><strong>https://smallbizkickstarter.com/build-your-business-financially/</strong></em></a></h3>\n</html>",
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      "body": "<html>\n<h1><strong>UNSECURED BUSINESS TERM LOANS &amp; UNSECURED PERSONAL LINES OF CREDIT</strong></h1>\n<p><img src=\"https://i.imgur.com/Hwhagw5.jpg\"/></p>\n<h3><strong>Qualify For Up To $300,000 In Business Capital &gt;&gt; Plus $150,000 in Personal Credit Lines</strong></h3>\n<h3><strong>Total = $450,000</strong></h3>\n<h2><strong>PROGRAM #1: UNSECURED BUSINESS TERM LOANS</strong></h2>\n<p>Provides up to $300,000 in unsecured term loans</p>\n<p>Over $50 million funded annually</p>\n<h3><strong>How The Process Works</strong></h3>\n<p>We work with over one hundred national, regional, and local lenders and</p>\n<p>credit unions. Our experts are consistently tracking each and every</p>\n<p>lenderís trends and requirements, and use this data to optimize your</p>\n<p>financial mix so that you receive the most capital, with the</p>\n<p>lowest interest rate, as quickly as possible</p>\n<h3><strong>REQUIREMENTS FOR BUSINESS TERM LOAN:</strong></h3>\n<p>* FICO 700+</p>\n<p>* $50,000+ INCOME</p>\n<p>Term Loan Underwriting Guidelines</p>\n<p>5 To 7 Year Term</p>\n<p>Interest Rates between 5.99% To 14.99%</p>\n<p>Funding In 5 To 10 Days</p>\n<p>Approval Amount Between $75,000 To $300,000</p>\n<h3><strong>Business Term Loan Advantages:</strong></h3>\n<p>* No upfront fees or out of pocket costs.</p>\n<p>* No minimum length of time in business required. Startups welcome.</p>\n<p>* No restrictions on the use of the funds.</p>\n<p>* Fixed monthly payments.</p>\n<p>* No pre-payment penalty.</p>\n<h3><strong>NOTE: FOR MAXIMUM FUNDING UP TO $450,000 COMBINE OUR ìUNSECURED CREDIT LINESî WITH ìUNSECURED BUSINESS TERM LOANSî&nbsp;</strong></h3>\n<p>+++++++++++++++++++</p>\n<h2><strong>PROGRAM #2: UNSECURED PERSONAL CREDIT LINES&nbsp;</strong></h2>\n<p>Qualify for up to $150,000 in Unsecured Credit Lines</p>\n<p>UNSECURED CREDIT LINES (START-UPS OK)</p>\n<p>Over $50 million funded annually</p>\n<p><strong>How The Process Works</strong></p>\n<p>We work with over one hundred national, regional, and local lenders and</p>\n<p>credit unions. Our experts are consistently tracking each and every</p>\n<p>lenderís trends and requirements, and use this data to optimize your</p>\n<p>financial mix so that you receive the most capital, with the</p>\n<p>lowest interest rate, as quickly as possible.</p>\n<h2><strong>REQUIREMENTS FOR UNSECURED CREDIT LINES:</strong></h2>\n<p><strong>(start-ups welcome)</strong></p>\n<p>* 700+ Credit Score</p>\n<p>* A Business Entity (We can set up a Corporation for you if donít have one)</p>\n<p>Provides Up To $150,000 In Unsecured Credit</p>\n<p>Unsecured Credit Line Advantages</p>\n<p>* Low-Interest Rates</p>\n<p>0% Interest rates for the first 6-13 months! ñ Rates as low as 6.9% thereafter</p>\n<p>* Unsecured ñ No Collateral Required</p>\n<p>Your business does not need to leverage its assets to acquire capital</p>\n<p>* Stated Income/No Docs Required</p>\n<p>Simple two pages application, No income verification</p>\n<p>&nbsp;* No Restriction on Use</p>\n<p>All of our products can be used as same as cash, we do not burden our clients with vendor trade lines (I.E. BP credit lines, Office Depot credit lines)</p>\n<p>* Funding in as Little as 7-10 Business Days</p>\n<p>Quick approval process, which means your company can take advantage of</p>\n<p>opportunities in the market faster, putting you ahead of your competitors.</p>\n<p>* No Upfront Fee</p>\n<p>We do not charge our clients for submitting an application, we are paid</p>\n<p>solely on results. A one time 10% success fee is involved based on the total</p>\n<p>funded amount.</p>\n<p>* Lines will not report to the personal credit bureaus</p>\n<p>Drawing from these lines will not affect your utilization ratio, thereby</p>\n<p>sheltering your personal credit for personal necessities (auto loan,</p>\n<p>mortgages, student loans, personal credit cards). The credit lines will only</p>\n<p>report to the business credit profile.</p>\n<p>* Helps you Build Business Credit for your business</p>\n<p>This will be very helpful in the future when applying for Corporate Financing.</p>\n<p>* Low Monthly payment of 1-2% of the balance</p>\n<p>Easy on your cash flow</p>\n<p>Requirements: 700 credit score (we will look at other factors like credit utilization, credit history, inquiries, etc.) &nbsp;&nbsp;&nbsp;&nbsp;</p>\n<p><strong>NOTE: FOR MAXIMUM FUNDING UP TO $450,000 COMBINE OUR ìUNSECURED CREDIT LINESî WITH ìUNSECURED BUSINESS TERM LOANS</strong></p>\n<p>Take action and get your funding today!</p>\n<h3><a href=\"https://diversifiedbusinessfunding.com/unsecured-business-term-loans/\"><em><strong>https://diversifiedbusinessfunding.com/unsecured-business-term-loans/</strong></em></a></h3>\n<h3><a href=\"https://diversifiedbusinessfunding.com/unsecured-credit-lines-start-ups-ok/\"><em><strong>https://diversifiedbusinessfunding.com/unsecured-credit-lines-start-ups-ok/</strong></em></a></h3>\n<p><br></p>\n</html>",
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      "body": "<html>\n<h1><strong>SMALL BUSINESS TAX SHELTER</strong></h1>\n<h2><em><strong>Small Business – The Ultimate Tax Shelter</strong></em></h2>\n<p><strong>Convert Your Personal Expenditures Into Allowable (Legal) Tax Deductions</strong></p>\n<p><img src=\"https://i.imgur.com/PeofVVX.jpg\"/></p>\n<h2><strong>THE ULTIMATE TAX SHELTER IS OWNING YOUR OWN BUSINESS</strong>&nbsp;</h2>\n<p><strong>One of the most often overlooked ways of sheltering income is to turn that favorite hobby of yours into an income producing business, preferably set up as a Corporation.</strong></p>\n<p><strong>Once this is completed, you can begin to turn some of your personal expenses into business expenses.&nbsp;</strong></p>\n<p><strong>These business expenses will all be tax deductible.</strong></p>\n<p><strong>Think about this; setting up a business allows you to earn an income (or second income), and then write off all your expenses.&nbsp;</strong></p>\n<p><strong>That sounds like a win-win to me.&nbsp;</strong></p>\n<p><strong>If you are converting your hobby into a business, then you need to look at the following: </strong><a href=\"https://smallbizkickstarter.com/Business-Or-Hobby-IRS-View\"><em><strong>SmallBizKickstarter.com/Business-Or-Hobby-IRS-View</strong></em></a></p>\n<p><strong>The best way to reduce your taxes and have some fun along the way is to convert your personal expenditures into allowable deductions.&nbsp;</strong></p>\n<p><strong>Turn yourself into a business owner and cut your taxes.</strong></p>\n<h2><strong>The key is you must own your business</strong></h2>\n<p><strong>We recommend a Corporate Entity for reasons explained below; however, you may operate as a Sole Proprietor under a DBA (Doing Business As).</strong></p>\n<p><strong>You must show You Have “A Profit Motive”</strong></p>\n<p><strong>Referring to</strong> <a href=\"https://www.irs.gov/faqs/small-business-self-employed-other-business/income-expenses/income-expenses\"><em><strong>IRS.GOV: Business Income Expenses</strong></em></a></p>\n<blockquote><strong>Question</strong>How do you distinguish between a business and a hobby?<strong>Answer</strong>In making the distinction between a hobby or business activity, take into account all facts and circumstances with respect to the activity. No one factor alone is decisive. You must generally consider these factors&nbsp;in&nbsp;determining whether&nbsp;an activity is a business engaged in making a profit:Whether you carry on the activity in a businesslike manner and maintain complete and accurate books and records.<br>\nWhether the time and effort you put into the activity indicate you intend to make it profitable.<br>\nWhether you depend on income from the activity for your livelihood.<br>\nWhether your losses are due to circumstances beyond your control (or are normal in the startup phase of your type of business).<br>\nWhether you change your methods of operation in an attempt to improve profitability.<br>\nWhether you or your advisors have the knowledge needed to carry on the activity as a successful business.<br>\nWhether you were successful in making a profit in similar activities in the past.<br>\nWhether the activity makes a profit in some years and how much profit it makes.<br>\nWhether y ou can expect to make a future profit from the appreciation of the assets used in the activity.You may find more information on this topic in&nbsp;<a href=\"https://www.ecfr.gov/cgi-bin/text-idx?SID=2c8c515e70d79f99314ab3dd0c63c6f4&amp;mc=true&amp;node=se26.4.1_1183_62&amp;rgn=div8\">section 1.183-2 (b)</a>&nbsp;of the Federal Tax Regulations.<strong>Additional Information </strong><a href=\"https://www.irs.gov/publications/p535/\">Publication 535, Business Expenses</a><a href=\"https://www.irs.gov/publications/p17/index.html\">Publication 17, Your Federal Income Tax for Individuals</a><strong>Category</strong><a href=\"https://www.irs.gov/faqs/small-business-self-employed-other-business\">Small Business, Self-Employed, Other Business</a><strong>Sub-Category</strong><a href=\"https://www.irs.gov/faqs/small-business-self-employed-other-business/income-expenses\">Income &amp; Expenses</a></blockquote>\n<h2><strong>Business Corporate Entity Is The Best Way To Avoid IRS Problems</strong></h2>\n<p><strong>Here is the secret that you must keep in mind when dealing with the IRS:</strong></p>\n<h2><img src=\"https://i.imgur.com/EYJociq.png\"/></h2>\n<h2><em><strong>The IRS uses computers to find you</strong></em></h2>\n<p><strong>They use algorithms that are keyed with “Red Flags” that will trip if you are outside the envelope that they operate under.</strong></p>\n<p><strong>Be aware, these algorithms change from time to time, so it pays to keep up with the changes.</strong>&nbsp;</p>\n<p><strong>At present, they focus on the Sole Proprietor Businesses as opposed to the Corporate Entities.</strong></p>\n<p>&nbsp;<strong>This is why we recommend incorporation, and an LLC will work fine for this purpose.</strong></p>\n<h2><strong>Is a Business Profit Required?&nbsp;</strong></h2>\n<p><strong>Your business doesn’t have to make a profit for your expenses to be deductible. But you must establish a “profit motive.”&nbsp;</strong></p>\n<p><strong>Under the Internal Revenue Code, a “profit motive” is presumed if you earn any net income in any three out of five business years.</strong></p>\n<p><strong>The IRS recognizes that a new business probably won’t make a profit in the first few years.&nbsp;</strong></p>\n<p><strong>In fact, in the early years, you can insist that the IRS defer any challenge for the first five years as to the legitimacy of your business by filing </strong><a href=\"http://www.irs.gov/pub/irs-pdf/f5213.pdf\"><strong>Form 5213</strong></a><strong>.</strong></p>\n<h2><strong>In Conclusion</strong></h2>\n<p><strong>Are you paying more taxes than you want to?</strong></p>\n<p><strong>Chances are the answer is a resounding YES!!!</strong></p>\n<p><strong>Then why not set up your own Small Business?</strong></p>\n<p><strong>Need Some help?</strong></p>\n<p><strong>Our Small Business Kickstarter can help you – That’s what we do!!!</strong></p>\n<p><em><strong>NEED STARTUP FUNDING?&nbsp; THEN GO HERE:&nbsp;</strong></em> <a href=\"https://smallbizkickstarter.com/business-startup-funding/\"><em><strong>Business Startup Funding</strong></em></a></p>\n<p><a href=\"https://smallbizkickstarter.com\"><em><strong>Small Business Kickstarter</strong></em></a></p>\n<p><a href=\"https://diversifiedbusinessfunding.com\"><em><strong>Diversified Business Funding</strong></em></a></p>\n<p><a href=\"http://diversifiedbusinessllc.com\"><em><strong>Diversified Business LLC</strong></em></a><br>\n</p>\n</html>",
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      "body": "<html>\n<h1><strong>SMALL BUSINESS TAX SHELTER</strong></h1>\n<h2><em><strong>Small Business – The Ultimate Tax Shelter</strong></em></h2>\n<p><strong>Convert Your Personal Expenditures Into Allowable (Legal) Tax Deductions</strong></p>\n<p><img src=\"https://i.imgur.com/PeofVVX.jpg\"/></p>\n<h2><strong>THE ULTIMATE TAX SHELTER IS OWNING YOUR OWN BUSINESS</strong>&nbsp;</h2>\n<p><img src=\"https://i.imgur.com/PeofVVX.jpg\"/><strong>One of the most often overlooked ways of sheltering income is to turn that favorite hobby of yours into an income producing business, preferably set up as a Corporation.</strong></p>\n<p><strong>Once this is completed, you can begin to turn some of your personal expenses into business expenses.&nbsp;</strong></p>\n<p><strong>These business expenses will all be tax deductible.</strong></p>\n<p><strong>Think about this; setting up a business allows you to earn an income (or second income), and then write off all your expenses.&nbsp;</strong></p>\n<p><strong>That sounds like a win-win to me.&nbsp;</strong></p>\n<p><strong>If you are converting your hobby into a business, then you need to look at the following: </strong><a href=\"https://smallbizkickstarter.com/Business-Or-Hobby-IRS-View\"><em><strong>SmallBizKickstarter.com/Business-Or-Hobby-IRS-View</strong></em></a></p>\n<p><strong>The best way to reduce your taxes and have some fun along the way is to convert your personal expenditures into allowable deductions.&nbsp;</strong></p>\n<p><strong>Turn yourself into a business owner and cut your taxes.</strong></p>\n<h2><strong>The key is you must own your business</strong></h2>\n<p><strong>We recommend a Corporate Entity for reasons explained below; however, you may operate as a Sole Proprietor under a DBA (Doing Business As).</strong></p>\n<p><strong>You must show You Have “A Profit Motive”</strong></p>\n<p><strong>Referring to</strong> <a href=\"https://www.irs.gov/faqs/small-business-self-employed-other-business/income-expenses/income-expenses\"><em><strong>IRS.GOV: Business Income Expenses</strong></em></a></p>\n<blockquote><strong>Question</strong>How do you distinguish between a business and a hobby?<strong>Answer</strong>In making the distinction between a hobby or business activity, take into account all facts and circumstances with respect to the activity. No one factor alone is decisive. You must generally consider these factors&nbsp;in&nbsp;determining whether&nbsp;an activity is a business engaged in making a profit:Whether you carry on the activity in a businesslike manner and maintain complete and accurate books and records.<br>\nWhether the time and effort you put into the activity indicate you intend to make it profitable.<br>\nWhether you depend on income from the activity for your livelihood.<br>\nWhether your losses are due to circumstances beyond your control (or are normal in the startup phase of your type of business).<br>\nWhether you change your methods of operation in an attempt to improve profitability.<br>\nWhether you or your advisors have the knowledge needed to carry on the activity as a successful business.<br>\nWhether you were successful in making a profit in similar activities in the past.<br>\nWhether the activity makes a profit in some years and how much profit it makes.<br>\nWhether y ou can expect to make a future profit from the appreciation of the assets used in the activity.You may find more information on this topic in&nbsp;<a href=\"https://www.ecfr.gov/cgi-bin/text-idx?SID=2c8c515e70d79f99314ab3dd0c63c6f4&amp;mc=true&amp;node=se26.4.1_1183_62&amp;rgn=div8\">section 1.183-2 (b)</a>&nbsp;of the Federal Tax Regulations.<strong>Additional Information </strong><a href=\"https://www.irs.gov/publications/p535/\">Publication 535, Business Expenses</a><a href=\"https://www.irs.gov/publications/p17/index.html\">Publication 17, Your Federal Income Tax for Individuals</a><strong>Category</strong><a href=\"https://www.irs.gov/faqs/small-business-self-employed-other-business\">Small Business, Self-Employed, Other Business</a><strong>Sub-Category</strong><a href=\"https://www.irs.gov/faqs/small-business-self-employed-other-business/income-expenses\">Income &amp; Expenses</a></blockquote>\n<h2><strong>Business Corporate Entity Is The Best Way To Avoid IRS Problems</strong></h2>\n<p><strong>Here is the secret that you must keep in mind when dealing with the IRS:</strong></p>\n<h2><img src=\"https://i.imgur.com/EYJociq.png\"/><em><strong>The IRS uses computers to find you</strong></em></h2>\n<p><strong>They use algorithms that are keyed with “Red Flags” that will trip if you are outside the envelope that they operate under.</strong></p>\n<p><strong>Be aware, these algorithms change from time to time, so it pays to keep up with the changes.</strong>&nbsp;</p>\n<p><strong>At present, they focus on the Sole Proprietor Businesses as opposed to the Corporate Entities.</strong></p>\n<p>&nbsp;<strong>This is why we recommend incorporation, and an LLC will work fine for this purpose.</strong></p>\n<h2><strong>Is a Business Profit Required?&nbsp;</strong></h2>\n<p>Your business doesn’t have to make a profit for your expenses to be deductible. But you must establish a “profit motive.”&nbsp;</p>\n<p>Under the Internal Revenue Code, a “profit motive” is presumed if you earn any net income in any three out of five business years.</p>\n<p>The IRS recognizes that a new business probably won’t make a profit in the first few years.&nbsp;</p>\n<p>In fact, in the early years, you can insist that the IRS defer any challenge for the first five years as to the legitimacy of your business by filing <a href=\"http://www.irs.gov/pub/irs-pdf/f5213.pdf\">Form 5213</a>.</p>\n<h2><strong>In Conclusion</strong></h2>\n<p>Are you paying more taxes than you want to?</p>\n<p>Chances are the answer is a resounding YES!!!</p>\n<p>Then why not set up your own Small Business?</p>\n<p>Need Some help?</p>\n<p>Our Small Business Kickstarter can help you – That’s what we do!!!</p>\n<p><em><strong>NEED STARTUP FUNDING?&nbsp; THEN GO HERE:&nbsp;</strong></em> <a href=\"https://smallbizkickstarter.com/business-startup-funding/\"><em><strong>Business Startup Funding</strong></em></a><br>\n</p>\n</html>",
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      "body": "<html>\n<h1><strong>PAYING TOO MUCH IN TAXES? START A SIDE BUSINESS AS A TAX SHELTER</strong></h1>\n<p><img src=\"https://i.imgur.com/siLQ1mR.jpg\"/></p>\n<p><strong>WANT TO START THAT BUSINESS YOU'VE ALWAYS WANTED?</strong></p>\n<p><strong>WANT A SECOND INCOME? START A SIDE BUSINESS WITH TAX BENEFITS</strong></p>\n<p><strong>NEED A SECOND INCOME? START A SIDE BUSINESS WITH TAX BENEFITS</strong></p>\n<p><strong>A Properly Set Up Corporation Can Be A Nice Tax Shelter For Your Other Sources Of Income</strong></p>\n<p>Time To Get Out Of The Financial Rut You Are In</p>\n<p>Feeling like your financial future is stalled?</p>\n<p>You're not getting any younger - day by day your entrapreneural spirit is slipping away</p>\n<p>It's time to take action &gt;&gt;&gt; before it's too late</p>\n<p>But how do you get started? You will need some Startup Funding to get your business up&nbsp;</p>\n<p>and running, and you will always need more than you plan for.</p>\n<p>How is your personal credit? Do you know for sure? If you're using Credit Karma - it's not reliable.</p>\n<p>You will need to get the real reports from all three credit bureaus.</p>\n<p><strong>Go to &gt;&gt;&gt; &nbsp;IdentityGuard.com &nbsp;&nbsp;or &nbsp;&nbsp;CreditCheckTotal.com &nbsp;- both are almost free</strong></p>\n<p>Now you have your three bureau FICO scores - do all three average 650 or higher?</p>\n<p>If you don't have the FICO score, what about a friend, relative, or business partner?</p>\n<p>If you have a minimum FICO of 650, we can get you minimum $20,000 to start your business, however, we can probably get you much higher funding with good credit</p>\n<p>We also work with startup businesses in all states. We provide Incorporation, Website Development with SEO,</p>\n<p>Corporate Setup, Business Credit Buildout, Commercial Funding, Payment Processing, and much more&nbsp;</p>\n<p>Contact us for a confidential consultation (no cost or obligation, if you're not a good fit we'll let you know)</p>\n<p>Go to following websites and contact us through the form on all pages:</p>\n<p><a href=\"https://SmallBizKickstarter.com\"><em><strong>SmallBizKickstarter.com</strong></em></a></p>\n<p><a href=\"https://DiversifiedBusinessFunding.com\"><em><strong>DiversifiedBusinessFunding.com</strong></em></a></p>\n<p><br></p>\n<p><br></p>\n<p>Startup Business, Unsecured Personal Funding, Unsecured Business Loan, Real Estate Fix and Flip, Personal Loan, Easy Qual Loan, Business Credit, Corporate Credit, Business Startup, Credit Lines, Unsecured Credit Lines, Unsecured Personal Credit Line, Unsecured Business Credit Lines, Fast Personal Loans, Fast Business Loans, Fast Business Startup Loans, Small Unsecured Personal Loans, Small Business Tax Shelter, Tax Shelter, Income Tax Shelter</p>\n<p><br></p>\n<p><br></p>\n</html>",
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      "body": "<html>\n<h1><a href=\"https://smallbizkickstarter.com/kickstarter-blog/is-cpn-credit-privacy-number-legal/\"><strong>Is a CPN – Credit Privacy Number Legal?</strong></a></h1>\n<p>August 26, 2018 by <a href=\"https://smallbizkickstarter.com/author/admin/\">Kickstarter Team</a></p>\n<p><strong>&nbsp;Is CPN – Credit Privacy Number Legal?</strong></p>\n<p><img src=\"https://i.imgur.com/JIF51d1.jpg\" width=\"275\" height=\"183\"/><img src=\"https://i.imgur.com/JIF51d1.jpg\" width=\"275\" height=\"183\"/><br>\n<strong>You’ve found a website on line that promises that you can create new credit by the use of a “CPN (Credit Privacy Number) – sometimes referred to as a “Secondary Credit Number – SCN”.</strong></p>\n<p><strong>You have terrible credit and a low FICO score.&nbsp;</strong></p>\n<p><strong>Is this a miracle fix for your bad credit? &nbsp;</strong></p>\n<p><strong>Read the following article first before you proceed.</strong></p>\n<blockquote><a href=\"https://www.thesimpledollar.com/what-is-a-cpn-credit-privacy-number/\"><strong>What Is a CPN, or Credit Privacy Number?</strong></a><br>\n<a href=\"https://www.thesimpledollar.com/author/saundral/\">by Saundra Latham &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</a>Updated on 02.27.18</blockquote>\n<blockquote>A credit privacy number, or CPN, is supposedly a nine-digit identifying number that you can use instead of your Social Security number, or SSN, to protect your privacy on credit documents.</blockquote>\n<blockquote>&nbsp;Sometimes CPNs are referred to as secondary credit numbers, or SCN numbers. Others may call them credit profile numbers.Whatever they’re called, officials say CPNs are bad news.&nbsp;</blockquote>\n<blockquote>First,&nbsp;<strong>they don’t actually exist,</strong>&nbsp;according to the Federal Trade Commission.&nbsp;</blockquote>\n<blockquote>Second, if you use any number in place of your Social Security number on a credit application,&nbsp;<strong>you are committing a federal crime.</strong></blockquote>\n<blockquote>If that’s not enough to stop you in your tracks, keep reading for more details on what CPNs are supposed to do, why they’re actually a scam, and how else you can maintain privacy and protect yourself from identity theft.</blockquote>\n<blockquote><strong>What is a CPN supposed to do for me?</strong></blockquote>\n<blockquote>There are a couple of reasons that the idea of a CPN might appeal to the average (and not-so-average) Joe:</blockquote>\n<blockquote><strong>Cut risk of identity theft:</strong>When an identity thief gets their hands on your SSN, they can do a lot of damage. The less you use your SSN, the less chance someone will be able to find it and use it fraudulently to open accounts in your name, file a fraudulent tax return as you, or steal medical or employment benefits. A CPN would seem like a good solution to this problem.</blockquote>\n<blockquote><br>\n<strong>Maintain privacy:</strong>Our Social Security numbers can link us to a lot of things — where we live, what we buy, even recent medical procedures. Using a CPN, in theory, would allow someone to cover their tracks a bit better. Some sources even claim celebrities and elected officials use CPNs for this reason.</blockquote>\n<blockquote><strong>Will a CPN give me a clean slate if I have bad credit?</strong>Some less-than-reputable companies also claim that if you have a very spotty credit history, you can use a CPN to apply for and receive new credit.&nbsp;</blockquote>\n<blockquote>Unfortunately, you can’t leave behind your old, tarnished credit history and establish a shiny new one by simply using a new number in place of your SSN.&nbsp;</blockquote>\n<blockquote>You could even be charged with fraud. Here’s why:<strong>Your SSN isn’t your only identifying information:</strong>Your creditors will use your name, address history, and other basics to connect you with old accounts — not simply your SSN. So simply producing a new number doesn’t make all your old debts disappear in a snap.</blockquote>\n<blockquote><br>\n<strong>Your creditor can simply reject your application:</strong>It’s your right to withhold your SSN by simply leaving the box blank when you apply for credit. However, doing so might very likely mean your creditor exercises their right to trash your application without a second thought.</blockquote>\n<blockquote><br>\n<strong>Using another number when your creditor asks for your SSN is a crime:</strong>If you put a so-called CPN on an application where an SSN should be, you’ve technically committed fraud not just once, but twice.&nbsp;</blockquote>\n<blockquote>That’s because both misrepresenting your SSN and lying on a credit or loan application are federal crimes,&nbsp;<a href=\"http://www.consumer.ftc.gov/articles/0225-credit-repair-scams\">according to the FTC</a>.</blockquote>\n<blockquote><strong>How do I protect myself from CPN scams?</strong>Maybe you’ve come across a company that promises you the chance to start again by using a CPN number to apply for new credit, untangling yourself from a checkered credit history in the process.&nbsp;</blockquote>\n<blockquote>As I discussed above, that’s a very unlikely scenario. In fact, you should be very wary of any company that claims to produce CPNs.</blockquote>\n<blockquote>Unfortunately, here’s what typically happens: The company has purchased an actual, albeit “dormant,” SSN to pass off as a CPN number. It may have been the SSN of someone who died, or perhaps it belongs to a child. Either way, its owner hasn’t used it recently to apply for credit, so it may not immediately trigger red flags with the creditor.</blockquote>\n<blockquote>Here are several signs that a company is trying to scam you with a CPN:<strong>The company tells you it’s perfectly legal to apply for credit using a CPN in place of your SSN.</strong></blockquote>\n<blockquote>It’s not — it’s actually fraud. You also risk being charged in an identity theft case if investigators determine the number was a stolen SSN.</blockquote>\n<blockquote><br>\n<strong>The company instructs you to lie about other information that may connect you to your old credit history.</strong>A creditor uses more than your SSN to check your account history.</blockquote>\n<blockquote><br>\n<strong>The company tells you to use an EIN, or Employee Identification Number, to apply for credit.</strong></blockquote>\n<blockquote>Businesses use EINs for specific financial reporting purposes, but they are not for personal credit applications.</blockquote>\n<blockquote><br>\n<strong>The company demands that you pay for a CPN or any services before doing any work for you.</strong></blockquote>\n<blockquote>It’s common (and illegal) for scammers to demand upfront payment before providing services.</blockquote>\n<blockquote><br>\n<strong>The company promises that you’ll no longer be associated with your old credit accounts.</strong>As I mentioned above, creditors use more than your SSN to identify you and your past accounts.</blockquote>\n<blockquote><br>\n<strong>The company promises that you’ll be able to obtain new credit with a CPN.</strong>No one can guarantee whether a creditor will accept or deny an application on any basis.</blockquote>\n<blockquote><strong>Is there any such thing as a legitimate CPN number?</strong>Some sources claim that you can legally obtain a CPN by consulting an attorney. Your attorney supposedly can then file an application for a CPN from the Social Security Administration on your behalf. All you have to do is have a compelling reason and fill out some paperwork.</blockquote>\n<blockquote>However, according to Jay Mayfield, senior public affairs specialist with the FTC, CPNs simply aren’t legitimate. But because there’s so much misinformation out there, “the area is ripe for scammers,” he said.</blockquote>\n<blockquote><strong>If CPNs are bogus, how else can I protect myself from identity theft?</strong>If the idea of a CPN appeals to you simply because you want to maintain your privacy and reduce your risk of identity theft, you can employ several&nbsp;<a href=\"https://www.thesimpledollar.com/simple-steps-to-avoid-identity-theft/\">measures to protect yourself</a>&nbsp;without falling for a CPN scam:</blockquote>\n<blockquote><strong>Shred sensitive documents when they’re no longer needed:</strong>One of the easiest ways an identity thief can swipe your personal information is by simply lifting it out of your trash.</blockquote>\n<blockquote><br>\n<strong>Use public Wi-Fi sparingly:</strong>It’s relatively easy for hackers to steal personal data that’s sent or received over a public Wi-Fi connection. If possible, wait until you’re home or on an otherwise trusted connection to do your banking and shopping.</blockquote>\n<blockquote><br>\n<strong>Choose your passwords wisely:</strong>Experts recommend using passwords with several letters, numbers, and characters — not simple words that can be found in the dictionary. You should also refrain from using the same password across the Web.</blockquote>\n<blockquote><br>\n<strong>Be skeptical of fishy phone calls, emails, texts, or other unsolicited requests for personal information.</strong>Remember that scammers can pose as representatives of institutions that you may trust, or even as friends and family.</blockquote>\n<blockquote><br>\n<strong>Consider an identity-theft protection service:</strong>While it’s certainly a good idea to monitor any bank or credit accounts on your own, you can go a step further and get an&nbsp;<a href=\"https://www.thesimpledollar.com/best-credit-monitoring-service/\">identity-theft protection service</a>, also called a credit-monitoring service, for increased peace of mind.&nbsp;</blockquote>\n<blockquote>These services can alert you to a range of things, including when new credit accounts or public records are created with your information. They also provide identity-theft insurance to protect you from expenses you may incur when rectifying the situation.</blockquote>\n<blockquote>It is also possible to change your Social Security number with the Social Security Administration, but the requirements to do so are&nbsp;<a href=\"https://faq.ssa.gov/ics/support/KBAnswer.asp?questionID=3789&amp;hitOffset=244+243+239+238+237+228+227+221+220+219+187+186+173+172+158+157+150+149+148+147+139+126+122+121+116+109+108+107+96+79+73+52+38+17+13+7+6+5&amp;docID=1993\">extremely strict</a>, and run-of-the-mill fears over identity theft would not meet the criteria.&nbsp;</blockquote>\n<blockquote>In fact, many victims of identity theft still won’t be permitted to change their numbers unless they are suffering ongoing harm because of continued misuse of their original number. Even then, “using a new number will not guarantee you a fresh start,”&nbsp;<a href=\"http://www.ssa.gov/pubs/EN-05-10064.pdf\">cautions the SSA</a>.</blockquote>\n<blockquote><strong>Steer clear of jail by forgoing bogus CPNs</strong></blockquote>\n<blockquote>Unfortunately, shedding a bad credit history isn’t as easy as using a new number instead of your Social Security number on credit applications.&nbsp;</blockquote>\n<blockquote>In fact, no matter what a company may say,&nbsp;<strong>using a so-called CPN instead of your SSN on such documents is a crime.</strong>&nbsp;</blockquote>\n<blockquote>For the same reason, it’s also a crime to use any number in place of your SSN purely because of privacy concerns.It is your right to withhold your SSN on credit applications. Of course, it is also the creditor’s right to reject your application because of this.&nbsp;</blockquote>\n<blockquote>But when Uncle Sam is involved — think filing your taxes, applying for unemployment, buying a gun, or just registering a vehicle — you’ll be required to use your SSN.</blockquote>\n<blockquote>Bottom line? If someone tries to tell you a CPN number (or an SCN number) is a good idea for any reason, don’t just walk away. Run.</blockquote>\n<h3><strong>Is CPN – Credit Privacy Number Legal? Think Again!!!</strong></h3>\n<p><a href=\"https://diversifiedbusinessfunding.com/is-cpn-credit-privacy-number-safe-to-use/\"><em><strong>Is CPN Credit Privacy Number Safe To Use?</strong></em></a></p>\n<p>Filed Under: <a href=\"https://smallbizkickstarter.com/category/kickstarter-blog/\">Kickstarter Blog</a>, <a href=\"https://smallbizkickstarter.com/category/small-business-news/\">Small Business News</a></p>\n<p>Tagged With: <a href=\"https://smallbizkickstarter.com/tag/cpn/\">CPN</a>, <a href=\"https://smallbizkickstarter.com/tag/credit-privacy-number/\">Credit Privacy Number</a>, <a href=\"https://smallbizkickstarter.com/tag/scn/\">SCN</a>, <a href=\"https://smallbizkickstarter.com/tag/secondary-credit-number/\">Secondary Credit Number</a></p>\n<h3>RECENT POSTS</h3>\n<ul>\n  <li><a href=\"https://smallbizkickstarter.com/kickstarter-blog/is-cpn-credit-privacy-number-legal/\">Is CPN – Credit Privacy Number Legal?</a></li>\n  <li><a href=\"https://smallbizkickstarter.com/kickstarter-blog/how-to-build-business-credit-for-your-start-up-business/\">How To Build Business Credit For Your Start-Up Business</a></li>\n  <li><a href=\"https://smallbizkickstarter.com/kickstarter-blog/the-difference-business-credit-vs-personal-credit/\">The Difference Business Credit vs. Personal Credit</a></li>\n  <li><a href=\"https://smallbizkickstarter.com/kickstarter-blog/business-credit-vs-personal-credit/\">Business Credit VS. Personal Credit</a></li>\n  <li><a href=\"https://smallbizkickstarter.com/kickstarter-blog/trouble-getting-a-business-loan/\">Trouble Getting a Business Loan?</a></li>\n</ul>\n<h3><br></h3>\n</html>",
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      "body": "<html>\n<h1><a href=\"https://smallbizkickstarter.com/kickstarter-blog/is-cpn-credit-privacy-number-legal/\"><strong>Is a CPN – Credit Privacy Number Legal?</strong></a></h1>\n<p>August 26, 2018 by <a href=\"https://smallbizkickstarter.com/author/admin/\">Kickstarter Team</a></p>\n<p><strong>&nbsp;Is CPN – Credit Privacy Number Legal?</strong></p>\n<p><img src=\"https://i.imgur.com/JIF51d1.jpg\"/><img src=\"https://i.imgur.com/JIF51d1.jpg\"/><br>\n<strong>You’ve found a website on line that promises that you can create new credit by the use of a “CPN (Credit Privacy Number) – sometimes referred to as a “Secondary Credit Number – SCN”.</strong></p>\n<p><strong>You have terrible credit and a low FICO score.&nbsp;</strong></p>\n<p><strong>Is this a miracle fix for your bad credit? &nbsp;</strong></p>\n<p><strong>Read the following article first before you proceed.</strong></p>\n<blockquote><a href=\"https://www.thesimpledollar.com/what-is-a-cpn-credit-privacy-number/\"><strong>What Is a CPN, or Credit Privacy Number?</strong></a><br>\n<a href=\"https://www.thesimpledollar.com/author/saundral/\">by Saundra Latham &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</a>Updated on 02.27.18</blockquote>\n<blockquote>A credit privacy number, or CPN, is supposedly a nine-digit identifying number that you can use instead of your Social Security number, or SSN, to protect your privacy on credit documents.</blockquote>\n<blockquote>&nbsp;Sometimes CPNs are referred to as secondary credit numbers, or SCN numbers. Others may call them credit profile numbers.Whatever they’re called, officials say CPNs are bad news.&nbsp;</blockquote>\n<blockquote>First,&nbsp;<strong>they don’t actually exist,</strong>&nbsp;according to the Federal Trade Commission.&nbsp;</blockquote>\n<blockquote>Second, if you use any number in place of your Social Security number on a credit application,&nbsp;<strong>you are committing a federal crime.</strong></blockquote>\n<blockquote>If that’s not enough to stop you in your tracks, keep reading for more details on what CPNs are supposed to do, why they’re actually a scam, and how else you can maintain privacy and protect yourself from identity theft.</blockquote>\n<blockquote><strong>What is a CPN supposed to do for me?</strong></blockquote>\n<blockquote>There are a couple of reasons that the idea of a CPN might appeal to the average (and not-so-average) Joe:</blockquote>\n<blockquote><strong>Cut risk of identity theft:</strong>When an identity thief gets their hands on your SSN, they can do a lot of damage. The less you use your SSN, the less chance someone will be able to find it and use it fraudulently to open accounts in your name, file a fraudulent tax return as you, or steal medical or employment benefits. A CPN would seem like a good solution to this problem.</blockquote>\n<blockquote><br>\n<strong>Maintain privacy:</strong>Our Social Security numbers can link us to a lot of things — where we live, what we buy, even recent medical procedures. Using a CPN, in theory, would allow someone to cover their tracks a bit better. Some sources even claim celebrities and elected officials use CPNs for this reason.</blockquote>\n<blockquote><strong>Will a CPN give me a clean slate if I have bad credit?</strong>Some less-than-reputable companies also claim that if you have a very spotty credit history, you can use a CPN to apply for and receive new credit.&nbsp;</blockquote>\n<blockquote>Unfortunately, you can’t leave behind your old, tarnished credit history and establish a shiny new one by simply using a new number in place of your SSN.&nbsp;</blockquote>\n<blockquote>You could even be charged with fraud. Here’s why:<strong>Your SSN isn’t your only identifying information:</strong>Your creditors will use your name, address history, and other basics to connect you with old accounts — not simply your SSN. So simply producing a new number doesn’t make all your old debts disappear in a snap.</blockquote>\n<blockquote><br>\n<strong>Your creditor can simply reject your application:</strong>It’s your right to withhold your SSN by simply leaving the box blank when you apply for credit. However, doing so might very likely mean your creditor exercises their right to trash your application without a second thought.</blockquote>\n<blockquote><br>\n<strong>Using another number when your creditor asks for your SSN is a crime:</strong>If you put a so-called CPN on an application where an SSN should be, you’ve technically committed fraud not just once, but twice.&nbsp;</blockquote>\n<blockquote>That’s because both misrepresenting your SSN and lying on a credit or loan application are federal crimes,&nbsp;<a href=\"http://www.consumer.ftc.gov/articles/0225-credit-repair-scams\">according to the FTC</a>.</blockquote>\n<blockquote><strong>How do I protect myself from CPN scams?</strong>Maybe you’ve come across a company that promises you the chance to start again by using a CPN number to apply for new credit, untangling yourself from a checkered credit history in the process.&nbsp;</blockquote>\n<blockquote>As I discussed above, that’s a very unlikely scenario. In fact, you should be very wary of any company that claims to produce CPNs.</blockquote>\n<blockquote>Unfortunately, here’s what typically happens: The company has purchased an actual, albeit “dormant,” SSN to pass off as a CPN number. It may have been the SSN of someone who died, or perhaps it belongs to a child. Either way, its owner hasn’t used it recently to apply for credit, so it may not immediately trigger red flags with the creditor.</blockquote>\n<blockquote>Here are several signs that a company is trying to scam you with a CPN:<strong>The company tells you it’s perfectly legal to apply for credit using a CPN in place of your SSN.</strong></blockquote>\n<blockquote>It’s not — it’s actually fraud. You also risk being charged in an identity theft case if investigators determine the number was a stolen SSN.</blockquote>\n<blockquote><br>\n<strong>The company instructs you to lie about other information that may connect you to your old credit history.</strong>A creditor uses more than your SSN to check your account history.</blockquote>\n<blockquote><br>\n<strong>The company tells you to use an EIN, or Employee Identification Number, to apply for credit.</strong></blockquote>\n<blockquote>Businesses use EINs for specific financial reporting purposes, but they are not for personal credit applications.</blockquote>\n<blockquote><br>\n<strong>The company demands that you pay for a CPN or any services before doing any work for you.</strong></blockquote>\n<blockquote>It’s common (and illegal) for scammers to demand upfront payment before providing services.</blockquote>\n<blockquote><br>\n<strong>The company promises that you’ll no longer be associated with your old credit accounts.</strong>As I mentioned above, creditors use more than your SSN to identify you and your past accounts.</blockquote>\n<blockquote><br>\n<strong>The company promises that you’ll be able to obtain new credit with a CPN.</strong>No one can guarantee whether a creditor will accept or deny an application on any basis.</blockquote>\n<blockquote><strong>Is there any such thing as a legitimate CPN number?</strong>Some sources claim that you can legally obtain a CPN by consulting an attorney. Your attorney supposedly can then file an application for a CPN from the Social Security Administration on your behalf. All you have to do is have a compelling reason and fill out some paperwork.</blockquote>\n<blockquote>However, according to Jay Mayfield, senior public affairs specialist with the FTC, CPNs simply aren’t legitimate. But because there’s so much misinformation out there, “the area is ripe for scammers,” he said.</blockquote>\n<blockquote><strong>If CPNs are bogus, how else can I protect myself from identity theft?</strong>If the idea of a CPN appeals to you simply because you want to maintain your privacy and reduce your risk of identity theft, you can employ several&nbsp;<a href=\"https://www.thesimpledollar.com/simple-steps-to-avoid-identity-theft/\">measures to protect yourself</a>&nbsp;without falling for a CPN scam:</blockquote>\n<blockquote><strong>Shred sensitive documents when they’re no longer needed:</strong>One of the easiest ways an identity thief can swipe your personal information is by simply lifting it out of your trash.</blockquote>\n<blockquote><br>\n<strong>Use public Wi-Fi sparingly:</strong>It’s relatively easy for hackers to steal personal data that’s sent or received over a public Wi-Fi connection. If possible, wait until you’re home or on an otherwise trusted connection to do your banking and shopping.</blockquote>\n<blockquote><br>\n<strong>Choose your passwords wisely:</strong>Experts recommend using passwords with several letters, numbers, and characters — not simple words that can be found in the dictionary. You should also refrain from using the same password across the Web.</blockquote>\n<blockquote><br>\n<strong>Be skeptical of fishy phone calls, emails, texts, or other unsolicited requests for personal information.</strong>Remember that scammers can pose as representatives of institutions that you may trust, or even as friends and family.</blockquote>\n<blockquote><br>\n<strong>Consider an identity-theft protection service:</strong>While it’s certainly a good idea to monitor any bank or credit accounts on your own, you can go a step further and get an&nbsp;<a href=\"https://www.thesimpledollar.com/best-credit-monitoring-service/\">identity-theft protection service</a>, also called a credit-monitoring service, for increased peace of mind.&nbsp;</blockquote>\n<blockquote>These services can alert you to a range of things, including when new credit accounts or public records are created with your information. They also provide identity-theft insurance to protect you from expenses you may incur when rectifying the situation.</blockquote>\n<blockquote>It is also possible to change your Social Security number with the Social Security Administration, but the requirements to do so are&nbsp;<a href=\"https://faq.ssa.gov/ics/support/KBAnswer.asp?questionID=3789&amp;hitOffset=244+243+239+238+237+228+227+221+220+219+187+186+173+172+158+157+150+149+148+147+139+126+122+121+116+109+108+107+96+79+73+52+38+17+13+7+6+5&amp;docID=1993\">extremely strict</a>, and run-of-the-mill fears over identity theft would not meet the criteria.&nbsp;</blockquote>\n<blockquote>In fact, many victims of identity theft still won’t be permitted to change their numbers unless they are suffering ongoing harm because of continued misuse of their original number. Even then, “using a new number will not guarantee you a fresh start,”&nbsp;<a href=\"http://www.ssa.gov/pubs/EN-05-10064.pdf\">cautions the SSA</a>.</blockquote>\n<blockquote><strong>Steer clear of jail by forgoing bogus CPNs</strong></blockquote>\n<blockquote>Unfortunately, shedding a bad credit history isn’t as easy as using a new number instead of your Social Security number on credit applications.&nbsp;</blockquote>\n<blockquote>In fact, no matter what a company may say,&nbsp;<strong>using a so-called CPN instead of your SSN on such documents is a crime.</strong>&nbsp;</blockquote>\n<blockquote>For the same reason, it’s also a crime to use any number in place of your SSN purely because of privacy concerns.It is your right to withhold your SSN on credit applications. Of course, it is also the creditor’s right to reject your application because of this.&nbsp;</blockquote>\n<blockquote>But when Uncle Sam is involved — think filing your taxes, applying for unemployment, buying a gun, or just registering a vehicle — you’ll be required to use your SSN.</blockquote>\n<blockquote>Bottom line? If someone tries to tell you a CPN number (or an SCN number) is a good idea for any reason, don’t just walk away. Run.</blockquote>\n<h3><strong>Is CPN – Credit Privacy Number Legal? Think Again!!!</strong></h3>\n<p>Filed Under: <a href=\"https://smallbizkickstarter.com/category/kickstarter-blog/\">Kickstarter Blog</a>, <a href=\"https://smallbizkickstarter.com/category/small-business-news/\">Small Business News</a></p>\n<p>Tagged With: <a href=\"https://smallbizkickstarter.com/tag/cpn/\">CPN</a>, <a href=\"https://smallbizkickstarter.com/tag/credit-privacy-number/\">Credit Privacy Number</a>, <a href=\"https://smallbizkickstarter.com/tag/scn/\">SCN</a>, <a href=\"https://smallbizkickstarter.com/tag/secondary-credit-number/\">Secondary Credit Number</a></p>\n<h2>Primary Sidebar</h2>\n<p>Search the site ...</p>\n<h3>RECENT POSTS</h3>\n<ul>\n  <li><a href=\"https://smallbizkickstarter.com/kickstarter-blog/is-cpn-credit-privacy-number-legal/\">Is CPN – Credit Privacy Number Legal?</a></li>\n  <li><a href=\"https://smallbizkickstarter.com/kickstarter-blog/how-to-build-business-credit-for-your-start-up-business/\">How To Build Business Credit For Your Start-Up Business</a></li>\n  <li><a href=\"https://smallbizkickstarter.com/kickstarter-blog/the-difference-business-credit-vs-personal-credit/\">The Difference Business Credit vs. Personal Credit</a></li>\n  <li><a href=\"https://smallbizkickstarter.com/kickstarter-blog/business-credit-vs-personal-credit/\">Business Credit VS. Personal Credit</a></li>\n  <li><a href=\"https://smallbizkickstarter.com/kickstarter-blog/trouble-getting-a-business-loan/\">Trouble Getting a Business Loan?</a></li>\n</ul>\n<h3><br></h3>\n</html>",
      "title": "Is a CPN – Credit Privacy Number Legal?",
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      "body": "<html>\n<h1><strong>UNSECURED PERSONAL AND BUSINESS FUNDING - EASY QUALIFICATION</strong></h1>\n<p><em><strong>Use The Money Any Way You Wish</strong></em></p>\n<p><img src=\"https://i.imgur.com/Hwhagw5.jpg\" width=\"350\" height=\"120\"/></p>\n<p>* Start that business you've always wanted</p>\n<p>* Buy an existing business or franchise</p>\n<p>* Pay off a debt</p>\n<p>* Real Estate fix and flips</p>\n<p>* Use money any way you wish</p>\n<p>This is a non advertised program offered by over 200 US Bank</p>\n<p><strong>THIS PROGRAM HAS NOT BEEN ADVERTISED -&nbsp;</strong></p>\n<p><strong>WE HAVE ACCESS TO A LITTLE KNOWN PROGRAM OFFERED BY OVER 200 BANKS</strong></p>\n<p>Do you need start up funding to get your business off ground or funds for any personal need - this may be the program for you</p>\n<p>* Absolutly no up front fees (we will not ask you for any money)</p>\n<p>* No Collateral Required</p>\n<p>* No Tax Returns Required</p>\n<p>* No Bank Statements</p>\n<p><strong>YOU MUST HAVE CLEAN CREDIT AND FICO SCORE OF 650 OR BETTER</strong></p>\n<p>Don't qualify? What about friend or relative?</p>\n<p>Special Program for Military Veterans - contact us for details</p>\n<p><strong>Funding $20,000 to $200,000 +++ (we also have programs that go higher)</strong></p>\n<p>Go to any page on websites below - fill out contact form on any page - give us complete info please</p>\n<p><a href=\"https://DiversifiedBusinessFunding.com/unsecured-personal-loans\"><em><strong>https://DiversifiedBusinessFunding.com/unsecured-personal-loans</strong></em></a>&nbsp;</p>\n<p>for business start-up</p>\n<p><a href=\"https://SmallBizKickstarter.com\"><em><strong>https://SmallBizKickstarter.com</strong></em></a></p>\n</html>",
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      "body": "<html>\n<h1><strong>&nbsp;&nbsp;The Difference Business Credit vs. Personal Credit</strong></h1>\n<p>&nbsp;July 29, 2018 by <a href=\"https://smallbizkickstarter.com/author/admin/\">Kickstarter Team</a>&nbsp;</p>\n<p><strong>The Difference Between Business Credit vs. Personal Credit</strong>&nbsp;</p>\n<p><em><strong>What Every Small Business Owner Needs To Know</strong></em>&nbsp;</p>\n<p>A good article from Business.com reposted here gives a good overview of exactley what business credit is and how it differs from personal credit. Additionallly, how business is scored and how it differs from the personal credit scoring system.&nbsp;</p>\n<blockquote><a href=\"https://www.business.com/articles/business-credit-vs-personal-credit/\"><strong>Business Credit vs. Personal Credit: Understanding the Differences</strong></a>&nbsp;</blockquote>\n<blockquote>BY ROMAN SHTEYN<br>\n Business.com / Finances / Last Modified: December 1, 2017 &nbsp;Photo credit:RomanR/Shutterstock</blockquote>\n<blockquote><img src=\"https://i.imgur.com/5u51kft.jpg\" width=\"300\" height=\"211\"/><br>\n Learning the ins and outs of business credit can help you build a strong credit history for your business apart from your own.</blockquote>\n<blockquote><br>\n It’s natural to assume that a business credit score is just the business version of a personal credit score, but it’s more complicated than that. Once you start a business, you’re playing by a new set of credit rules. Learning the ins and outs of business credit can help you build a strong credit history for your business apart from your own.</blockquote>\n<blockquote><br>\n<strong> What determines your business credit score?</strong></blockquote>\n<blockquote><br>\n Although personal and business credit scores have several things in common, there’s more of a learning curve with business scores. It doesn’t take long to understand personal credit scores, because the three reporting agencies all use similar factors to calculate scores and have scoring ranges from 300 to 850. The same isn’t true with business scores.</blockquote>\n<blockquote><br>\n<strong> These are the different types of business credit scores and the scales they use:</strong></blockquote>\n<blockquote><br>\n<strong> • Dun &amp; Bradstreet’s PAYDEX (0 to 100)<br>\n • Equifax’s business failure score (1,000 to 1,610), credit risk score (101 to 992) and payment index (0 to 100)<br>\n • Experian’s IntelliScore Plus (0 to 100)<br>\n • FICO’s SBSS (0 to 300)</strong></blockquote>\n<blockquote><br>\n The Dun &amp; Bradstreet PAYDEX and Equifax payment index are unique in that they rely entirely on your payment history. To achieve a maximum PAYDEX score of 100, you even need to pay your credit accounts 30 days or more ahead of time.</blockquote>\n<blockquote><br>\n The reporting agencies determine the other scores using your payment history and a combination of factors. Some factors are the same as those used in calculating personal credit scores, such as credit utilization and how long your business has had its credit accounts.</blockquote>\n<blockquote><br>\n Other factors are specific to business credit scores, including the size of your company, its time in business, and the level of risk associated with your industry.&nbsp;</blockquote>\n<blockquote>The reporting agencies may also use public records in calculating scores.</blockquote>\n<blockquote><br>\n Unlike the other reporting agencies, FICO uses both your personal and business credit histories when calculating its SBSS score.</blockquote>\n<blockquote><br>\n<strong> Improving your business’s score</strong></blockquote>\n<blockquote><br>\n Before you can improve your business’s credit score, you need to incorporate. This sets up your business as a separate legal entity from you. When you have a sole proprietorship, you and your business are one and the same, making it impossible to build a business credit score independent of your personal score.</blockquote>\n<blockquote><br>\n After you’ve done that, obtain at least one form of business financing. For most new business owners, the best and most convenient option will be a business credit card. If your business has any suppliers or vendors it uses on a regular basis, ask them to report your payment history to the credit agencies.</blockquote>\n<blockquote><br>\n Follow the same strategies with your business credit that you would with your personal credit. Keep your credit utilization as low as you can and aim to always have it under 30 percent. Pay everything on time or earlier if possible to achieve the highest-possible PAYDEX score. Avoid letting any accounts become delinquent.</blockquote>\n<blockquote><br>\n<strong> The importance of a business credit score</strong></blockquote>\n<blockquote><br>\n Building your business credit score is well worth the time and effort. The most significant benefit is that it reduces the risk your business presents to lenders and suppliers. <strong>Business loans are notoriously hard to get</strong>, but you’ll have a much better chance at approval with a good business credit score. And when you’re approved for any type of business financing, a good score helps you get favorable terms, such as a large loan amount or a low interest rate.</blockquote>\n<blockquote><br>\n For your own financial security, it’s wise to have separate credit profiles for yourself and your business. Otherwise, financial issues with your business could negatively affect your personal credit score.&nbsp;</blockquote>\n<blockquote><br>\n You also have your business’s reputation to consider. No one can check your personal credit score without getting your permission first, but authorization isn’t required to pull a business credit report. A potential partner could do so as part of their evaluation process. You never know who will decide to run your business’s credit, and a good score presents a professional image.&nbsp;</blockquote>\n<p><strong>Ready to get started building your business corporate credit? Just fill out the contact form on any page in the following websites and we will cantact you shortly &nbsp;&nbsp;</strong></p>\n<p><a href=\"https://smallbizkickstarter.com/build-your-business-financially/\"><em><strong>https://smallbizkickstarter.com/build-your-business-financially/</strong></em></a></p>\n<p><a href=\"https://diversifiedbusinessfunding.com\"><em><strong>https://diversifiedbusinessfunding.com</strong></em></a></p>\n<p><strong>BUILD YOUR BUSINESS CORPORATE CREDIT NOW</strong> &nbsp;</p>\n</html>",
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      "body": "<html>\n<h3>HOW TO BUILD YOUR BUSINESS FINANCIALLY</h3>\n<h3><strong>Get Business Loan Approved Without Using Personal Credit</strong></h3>\n<h3><em><strong>Without Using Your Personal Credit</strong></em></h3>\n<p>Get Your Business Loan Approved</p>\n<p><img src=\"https://i.imgur.com/Hwhagw5.jpg\" width=\"350\" height=\"120\"/></p>\n<p><strong>Are you currently using your personal credit cards and lines of credit to finance your business?</strong></p>\n<p><em><strong>STOP!!! &nbsp;&nbsp;&nbsp;&nbsp;&gt;&gt;&gt; There is a better way &lt;&lt;&lt;</strong></em></p>\n<p>Have you been trying to grow your business with funding using your personal credit to apply for loans?</p>\n<p>Have you been turned down? – or given very high interest, short-term funding? – limited funding under amount requested? &nbsp;</p>\n<p>It is very likely your personal credit is causing the problem – we may be able to do it with your business credit</p>\n<p>Stop using your personal credit now before it becomes more difficult to accomplish your financial goals&nbsp;</p>\n<p><strong>It’s important to be aware that most lenders and Banks now also evaluate your BUSINESS CREDIT SCORE when making a lending decision – if your loan was declined, this may be the reason</strong></p>\n<p><em><strong>If you haven’t established BUSINESS CREDIT – we can build it for you – – BUSINESS CREDIT uses a completely different credit scoring system that is separate from your personal FICO scoring system</strong></em></p>\n<p>Break out of your SMALL BUSINESS THINKING!!!</p>\n<p>Finance your business like THE BIG CORPORATIONS &gt;&gt; Without Using Your Personal Credit</p>\n<p><strong>Use Business Credit Not Personal Credit</strong></p>\n<p><img src=\"https://i.imgur.com/EQsK9Nk.jpg?1\" width=\"350\" height=\"171\"/></p>\n<p>DON’T LET THE BIG CORPORATIONS KEEP THIS A SECRET</p>\n<p>WE CAN HELP YOU REACH YOUR BUSINESS GOALS</p>\n<p>Buy more inventory</p>\n<p>Lease a much better location</p>\n<p>Buy a building and be your own landlord&nbsp;</p>\n<p>Buy that competitor that is in financial trouble</p>\n<p>Open a new business that compliments your existing business</p>\n<p>Add your own ideas and we will help you get there&nbsp;</p>\n<p>READY TO GET STARTED?</p>\n<p>We can build your Business Credit which will enable you to reach your business goals</p>\n<p><strong>WE PROVIDE ALL TYPES OF UNSECURED PERSONAL FINANCING AND BUSINESS FINANCING – WE CAN FINANCE YOUR BUSINESS USING YOUR BUSINESS CREDIT</strong></p>\n<p>Build Business Credit</p>\n<p>Contact Us For a Free – No Obligation Confidential Consultation</p>\n<p>Include Full Name, Email, Phone Number with Best Time To Call _or just fill out the contact form below (on any page) and we will contact you shortly</p>\n<p><a href=\"https://diversifiedbusinessfunding.com\"><em><strong>DiversifiedBusinessFunding.com</strong></em></a></p>\n<p><a href=\"https://smallbizkickstarter.com/build-your-business-financially/\"><em><strong>SmallBizKickstarter.com&nbsp;</strong></em></a></p>\n</html>",
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