What happens if my CPN and SSN merge? How do I prevent that from happening?

One of the most important things with a CPN is avoiding a merge with your SSN. What that means is that they would no longer be 2 different profiles, essentially they would become only 1.

Why don't I want only 1 profile?
Think about it: more than likely there is something wrong with your SSN for you to get a CPN in the first place, right? The entire point is for you to have separate credit profile to build up to achieve financial freedom. Having said that, if you merge the 2 of them, you will not have 2 credit profiles. You will have 1. So whatever you put on your CPN will also be on your SSN, and the other way around. The addresses, phone numbers, emails and accounts will be on both of them. You will be invalidating your CPN by doing this.

How do I prevent this from happening?
This is simple, and not so simple at the same time. Be aware of the addresses, emails and phone numbers that you have on each account and only use the ones that correspond to the credit profile that you are associating it with. If you are making a payment on an account on your CPN, you must pay for that account with a credit card or bank account associated with your CPN, not your SSN. That means that once you get your Capital One card, you cannot use your regular bank account to pay for it or your credit card. You must either obtain a prepaid card, or bank debit card or other credit card to pay for Capital One, or send your payment via MoneyGram. If you attach your bank account (SSN) to pay for this, it will freeze your account, and you will not only lose that account, but also mess up your CPN. You cannot get another one. Another example: You were approved for Kay Jewelers and you are getting a ring. You cannot have it shipped to your current address which is associated with your SSN profile. It must go to the CPN address. This goes for anything ordered using your CPN info.

It is simple:
CPN to CPN
SSN to SSN.

Is there an easy way to keep track of this?
You can always set up a spreadsheet, or write down your accounts and information.

1. Obtain a prepaid card for your CPN profile. I suggest Rushcard.com. Use this for your CPN payments on credit accounts.
2. Keep track of all of your addresses, accounts, emails and phone numbers which are associated with your CPN account.
3. Do not ever cross-associate information.