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CPN And Financial Freedom

279 Troy Rd Suite 9 Unit 107
Rensselaer, NY 12144
(518) 832-9475


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CPN and Financial Freedom is a small sized credit repair company in New York. Their website does not list their address but from our research it appears that they may use a virtual office for their company.  The company also appears to only have one employee, Kristin Vargas, who is the owner.  The extreme small size of the company, lack of physical office, and problems we have found with their service that we will detail below create numerous concerns for the company.  There are uncertainties in regards to the stability of the company, the legality of thier services, and the credit knowledge of the ownership. 

  • Results:  CPN and Financial Freedo, has posted a few testimonials on their website for you to browse and gauge however there is no way for us to verify them.  There are complaints online about the lack of results and services people received when dealing with this company. 

  • Experience:  The experience of CPN and Financial Freedom is hard to determine.  We can find now extact start for the compamny but from our research we believe the business to have started in 2013.  When searching for information on the owner, Kristin Vargas, we can find zero evidence of previous experience in the credit or lending industries and it appears she splits her time between running CPN and running a photography company.
  • Types of Programs Offered:   The CPN and Financial Freedom website explains that they offer plan where they will sell you a CPN (credit profile number) to use as a means of generating a new credit profile with the credit bureaus instead of using your social security number.  Doing this will supposedly create a new blank slate for the consumer to start over with the credit bureaus as if they were a new person.  The company also states that they can get you added as authorized users on accounts to help build up the new credit profiles.  When they add you as an authorized user on someone elses account you will not be able to use their credit but rather reap the the benefits of their credit usage and positive payments.  This can be risky as all people run the risk of missing payments which can damage your new credit profile.
  • Pricing and Value:  The cost for the CPN and Financial Freedom plan is just a one-time payment of $75.  This is extremely cheap and credit repair is no different than any other service, you get what you pay for.  With only negativve reviews of the company to be found online it is hard to just what if any value the CPN and Financial Freedom program offers. 
  • Guarantee:  As CPN and Financial Freedom does not offer a traditional credit repair program but rather just sells new Credit Profile Numbers they do not any refund.  Once you have purchased a CPN from them you from that point forward responsible for consequences that come from using that CPN instead of your Social Security number.
  • Reputation/Reviews:  CPN and Financial Freedom has numerous complaints on independent websites around the internet that can be found with a simple Google Search. This is obviously a concern with a small company to have this complaints of this magnitude.  Typically, fake complaints made by competition are done with only larger companies. There are some responses by the company online where the company states their case. However, it is not done in the most professional manner possible.  Many of the complaints also state that company is a scam and question the legality of its service. 
  • Time of Program:  There is no time period for the CPN and Financial Freedom program as they are just selling Credit Profile Numbers.  Once you have recieved your CPN from them your relationship with the company is over.
  • Website Security:  CPN and Financial Freedom does have the ability to sign up through their website but we can not find any website security certificate.  When you make your payment, however, it is done through PayPal and your paymet is secured through their service.
  •  Compliance:  There appears to be compliance isssues with the company.  As the company sells new Credit Profile Numbers to circumvent the requirement of having to use your Social Security number to obtain credit it leads to serious questions regarding legality.  Also the company required each customer to obtain a new email address, phone number, and address such as a P.O. not associated with previous credit before purchasing the new CPN.  Here is a link to a website that discusses questions in regards to the legality of CPN's, http://blog.bennettandbennett.com/2009/06/cpn-scam.html.

If you are looking at enrolling with CPN it is important that you do all your research.  Not having an office can definitely raise some concerns as well as the numerous complaints online where clients claim they never got a direct response even after the complaints. We recommend you look into our top recommended companies before moving forward with another company. 

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