america (4) CPN (Credit Profile Number) to Help Rebuild Personal Credit

In this video,  I talk about How to obtain a CPN (Credit Profile Number) to help rebuild your  personal credit

Questions I answer.
1. How to get a CPN (Credit Profile Number)?
2. How to make sure a CPN is good?
3. Is a CPN Legal?
4. What Laws allow you to use a CPN?
5. Who is currently using a CPN?
6. Where can I get a CPN?

Learn more about CPNs and the law.

Bush v. Lancaster Bureau of Police, (E.D. Pa. Aug. 28, 2008) (concluding that "Plaintiff cannot state a claim under [42 U.S.C. § 1983] for a violation of subsection (b) of section 7 of the Privacy Act" because "[u]pon review of the th[e] statutory language, the court cannot conclude that Congress created an 'unambiguously conferred right'" for individuals).

Stoianoff v. Comm'r of the Dep't of Motor Vehicles, 12 F. App'x 33, 35 (2d Cir. 2001)

Claugus v. Roosevelt Island Hous. Mgmt. Corp., (S.D.N.Y. Apr. 29, 1999)

42 U.S.C. § 405(c)(2)(C)(i))

42 U.S.C. § 405(c)(2)(C)(ii)

42 U.S.C. § 405(c)(2)(C)(iii)

Dittman v. Cal., 191 F.3d 1020, 1026 (9th Cir. 1999)

Schmitt v. City of Detroit, 395 F.3d 327, 329-30 (6th Cir. 2005)

Schwier v. Cox, 340 F.3d 1284, 1292 (11th Cir. 2003)

Lawson v. Shelby County, Tenn., 211 F.3d 311, 335 (6th Cir. 2000)

Ingerman v. Del. River Port Auth., 630 F. Supp. 2d 426, 445 (D.N.J. 2009)

Szymecki v. Norfolk (E.D. Va. Sept. 11, 2008)

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Picture Business Credit America specializes in  helping companies nationwide gain greater access to trade credit and investment capital. Our program, uses a step-by-step approach to help companies solidify their financial standing, so they can build a business credit history, obtain lines of credit and position themselves for loans from banks, angel investors and other outside funding sources.

We provide our clients with an over whelming amount of business and personal credit education as we walk them through the business credit building process that focuses on three main areas: establishing credibility with major credit agencies, creating a credit file and building a business credit history.


Business Credit America's credit-building system offers a variety of benefits, including:

  • multiple vendor lines of credit and business credit cards
  • credit-reporting files with Dun & Bradstreet, Experian and Equifax
  • filing Ucc-1 Financial Statements to boost your business credit
  • creative solutions for funding any kind of small business

Many business owners rely solely on their personal credit and funds to start and grow their business, However, by following this process a lot of business owners debt to income ratio is to high to be considered for a loan approval from traditional lenders.

We encourage business owners and entrepreneurs alike to consider joining the Free Business Credit Training Forum, so they can be aware of what the possibilities are when it comes to obtaining business credit.

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Fulfilling The American Dream" (TM)Dr. Edward Kramer once said, "Eliminate the time between the idea and the act and your dreams will become realities." Napolean Hill, Motivational Writer, said-"Create a definite plan for carrying out your desire and begin at once, whether you are ready or not, to put this plan into action."For potential homeowners buying a home can be a very scary proposition. Oftentimes home buyers are fearful of the unknown. Can I afford to buy a home? Will my credit work for me or against me? Is it the right time in the market to purchase? Should I just continue to rent?As your Real Estate Professional it is my responsibility to ensure that you are "educated and empowered with the information you need to make an informed buying decision." Gone are the days when clients were simply told, "sign here, sign here and here." Consumers are more savvy these days and have grown to expect excellence at every level of the real estate transaction.My clients view me as a partner in their transaction. In other words, I operate as an advisor and guide. I help clients effectively navigate through unknown territory by gently placing them on the road of home ownership. Clients understand that they are in FULL control of the process. Because my focus is education, clients feel confident enough in themselves to make the right decision with just the right amount of assistance from me.Feel free to contact me if you or someone you know has any questions about the sale, purchase or refinance of real estate. I would be honored to assist you.Thank you for the opportunity to connect, collaborate and communicate.Denise R. McCoy-TilsonRealtor/Employer Housing Benefit SpecialistDirect: (916) 534-5239Office: (916)
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Our Path to Greatness

If it is true that what we love is our path to greatness – then it is also true that everyone who is working for barely makes do wages or less doesn’t have to. It also means that people who feel trapped in well paying jobs don’t need to. The question now is: How do we transform what we love into cash.I once heard a story of a man who had an infinity for fixing small electrical things. Radios, mixers, sewing machines; whatever – he could fix it. He never had any formal training in electronic or electrical repair. It was just something he instinctively knew how to do. Friends and family members often brought things to him to repair. Eventually his wife got sick of all of the money he was spending on tools and repair parts and him not making any money for his efforts. Finally he decided to rent a small room so he could continue to indulge in his love; but keep peace in his home. So to pay for his work space, he started charging people a nominal fee to do their repairs.As fate would have it, a time came he got laid off from his job and his wife didn’t make enough to support them. So, he began to call to check on a few offers he had received from customers to teach, to be on call to properly set up major appliances etc. Within a month he was making more money than he had ever made at his job.The answer to the questions: How do we transform what we love into cash is: For some people, transforming what you love to do into cash is a matter of making some decision and following through on them. For some it will take a business plan, investors . . . . Still others will simply stumble into their gift. The key however is to take the time to regularly work at that which brings you joy and a sense of fulfillment.Armed with this information, I finally put aside all of my reasons, excuses, meanderings … and dove into one of my favorite activities. At first it was awkward and felt strange – like I had never made a good living sewing before. As I moved forward and started on my second piece it began to feel good. Wonderful memories of past accomplishments began to appear in the forefront of my mind one by one. As I worked on my third piece, I began to relive the emotions that made me decide to become a seamstress in the first place.I’ll keep you posted on the outcome.
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