A friend of mine, who has bad credit, told me he found this full proof new was to get a refinance on his home. It was called a Credit Protection Numbe

This sounds like a scam.  There are no full proof ways to get a loan.  All banks screen each loan application.  I suggest you fully research any company that you give sensitive information. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.