I don't think this is true. So many shops these days sell fulls (inc SSN, DOB) at reasonable prices, some including even VBV/MSC passwords; you can filter by no

I don't think this is true. So many shops these days sell fulls (inc SSN, DOB) at reasonable prices, some including even VBV/MSC passwords; you can filter by non-VBV/MSC as well, making VCV/MSC useless. And if you really know where to look, the ability to look up someone's SSN will only cost you a buck or two.