> To put it simply, the information that, say, your spouse or mother would know should not be enough to get credit in your name, bill expensive services to you

> To put it simply, the information that, say, your spouse or mother would know should not be enough to get credit in your name, bill expensive services to you or gain access to your accounts. Agreed. I hear too many stories of ex-wifes opening up credit cards in their husbands' name when going through divorce proceedings. Second to that, I hear quite a few stories of deadbeat parents opening credit cards in their children's name (once they turn 18) and racking up massive debt without even telling them about it.