What i did was load up huge on all the most expensive items during char creation. I ended up around -400 cp, then i was informed my choices were wrong, and i was sent back to the first screen.
my parents stayed the same(excellent), but the cp were reset to 100, so i brought back my parents to normal, and gained about 150 cp(i chose the most expensive cp professions to start with)
then i proceeded forwards again, doing it all over, the cp returned to normal(correct levels), but it could be an area for exploitation.
ulf kleppe