>I own a house. For the last 13 years, I get offers in the mail
>to refinance. I get 2 or 3 a month. They go right in the circular
>file.
>
>Most of them have my SSN on them. It's public record.
>

Nope, its only public if you allow it to be. As in filling in a form requesting it where there is no legal obligation to provide it.

Regards,