I have a couple of points to make: (1) People can howl all they want about how "file segregation is illegal," but the fact remains that it's illegal for the racketeers at the credit bureaus to require use of your SS number for any purpose other than taxes or employment. Credit is not included under the law. It could be that the bureaus actually have to let you start a new file when you confront them with the law, assisted of course by privacyline. (2) It seems that some people do go to jail after using file segregation, of a type not condoned by privacyline. But there could be a variety of strange reasons. Some people may default quickly on their new credit accounts, due either to poor planning or to fraudulent intent. Others may obtain an EIN without ever starting a business, or without filing the required reports. Others may be stupid enough to use a new or phony SS number with the same creditors they've already stiffed once, perhaps even at the same address. (3) There is an obvious party line that certain authoritarian personality types enjoy throwing at other people. They never bother to verify its accuracy; they simply hope it's true, because that would mean someone else is getting punished. I did a web search for "file segregation" using Lycos, and found that a single government handout accounted for about 90% of the items. A variety of private web sites simply repeated what the government wanted everyone to think. I decided to keep looking elsewhere. (4) I don't recommend that anyone use file segregation, of any type. But I do recommend that you inform yourself about what it is and what the legal and administrative issues are. The illegal use of SS numbers for issuing credit is destroying what's left of our liberty and privacy. Some people may not care as long as they get that Citibank card or Providian waives that annual fee. But I hope that some of you will care. This is an issue with implications beyond the Target parking lot.