Frequently Asked Questions (FAQ)

We know you may have some questions about us, our services and the way we work, that’s why we have compiled a list of frequently asked questions along with the common answers for you. In case you need more information or in case the question you’re asking is not listed here please don’t hesitate and to contact us and we’ll get in touch with you.

What’s A Secondary Credit Number (SCN)?

A secondary credit number(SCN) is a nine-digit number that has the exact same genetic makeup of a Social Security Number (SSN) but This Is Not A Social Security Number and should not be used as a SSN. Your financial information can also be reported under this number for retail credit purposes as a way to protect your SSN from identity theft due to misuse or mishandling by retail creditors.

Is it Legal?

It is your legal right to keep your Social Security Number private, and use a separate number for any credit related purposes. You can use the existing laws to your advantage for a change. Due to certain rights guaranteed by the (1974 US Privacy Act Title V Click here to see), you have the right to keep your Social Security Number private and not be denied service due to your refusal. The credit bureaus are not government agencies, so you do not have to give them your Social Security Number. To answer the question, YES if used properly. Thousands of people have done it over the past 30 years and continue to do so.

How long does it take to receive the number?

Typically, it takes between 3 to 5 days. That does not include the time it takes to add the lines that comes with your purchase.

Does our SCN's come from people who deceased, or incarcerated, or from children?

No…definitely not! Our SCN are clean numbers that aren’t attached to anybody including the deceased, the incarcerated, or children and they are not stolen SSN.

Can I purchase more than one SCN?

No! You can only do this one time only. This is why we at mycreditrules.com prefere to bundle this product with our monthly membership to ensure you are work with one of our experts in building credit with it and educating you on it's proper uses.

How can I trust your company is legit?

We are a 100% legit and trustworthy company which has have no complaints from our clients to date. We use PayPal; the world’s largest online payment processor, to receive your payment. PayPal has a purchase protection program which covers you 100% against any online financial fraud (Click here for more info).

When filling out an application; a credit card application for example; Would I put the SCN in place of the SSN?

Yes, Just be sure to always use the address information you provided us with along with your newly created personal contact information.

Can I use my new SCN to refinance my mortgage?

No. Due to the loan being in your Social Security Number or EIN, it would have to be refinanced the same way.

Can I use the SCN to rent an apartment?

Yes. We suggest establishing some credit before doing so. Reason being, most landlords want to see some kind of credit history to determine if you are a high risk or not.

What will my new FICO be?

Your credit profile will be blank. You will need to re-establish your credit by applying for credit cards and other lines of credit. This is where our credit line and monthly membership services are useful. We help you to add both revolving and/or installment lines, hold your hand through the process of building your new credit profile in a relatively short period of time to excellent credit above 720.

What can I use my new SCN for?

As mentioned earlier, you can use your new SCN Number for anything that would normally require credit reporting purposes. Use to get Bank Accounts, credit cards, personal loans, Auto loans, apartments, utillities, cable, cell phones, etc. You can use it for most retail credit products.

What can't I use my SCN for?

You should not use your SCN for any transactions with the Federal, State, or local government. You should always use your SSN when dealing with government agencies. Examples would be; using it to applying for a FHA or VA mortgage or providing it to an employer as a SSN for tax reporting. Use of your SCN for these and many other government transaction will put you at risk of prosecution. Our monthly membership and knowledgeable expert staff is at your disposal to help avoid the pitfalls of SCN misuse and will show you how to correctly utilize your new profile to positive build and maintain excellent credit and access to the "American Dream" that goes with excellent credit.

Can I use the SCN to open a Bank account?

Yes, so long as you never bounce a check or misuse the account in any way.

How soon can I run my new credit report?

As soon as the SCN is received.

How soon can I apply for credit?

As soon as the SCN is received. SInce you will will be working with us to help build your profile we will be adding the first two lines of credit which may take 30 to 45 days after you receive your SCN.

How can I be guaranteed this will work?

Are guarantee is to provide you with an SCN and two lines of credit. That is what we are guaranteeing. What you do or don't do with it after that is up to you. If you choose to work with us through our monthly membership and allow us to help you manage and maintain your new credit profile; then we can guarantee you will accomplish your goal of achieving a credit score above 720 in 9 to 12 months or sooner if you utilize and add more credit lines and follow our advice.

What type of credit Lines are you offering?

We offer both revolving and installment credit lines. Our revolving credit lines are organic active credit lines that you have full access to with starting balances ranging from $250 to $5000 depending on whether it's being added to an SCN or primary SSN profile. Our Installment credit line is a small short-term loan that requires small monthly payments and is reported to all bureaus. Our credit lines are the best value in America for Additional credit lines.

Do I have to have a membership to work with mycreditrules.com?

No, at this time you do not have to have a membership but membership will be mandatory for SCNs in the near future. All clients will be notified of when that change will occur.

What states are you currently operating in?

We are able to provide our services in all 50 states.

Do you have a referral program?

Yes, we do offer a referral bonus to our clients for all referrals who purchase our services or product.