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"It's that prevalent." Just because someone asks for it doesn't mean you have to comply, says Michael J.

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Even after the cards were centrally issued, the SSA kept up the habit of tying area number to geography until June 2011, when it moved to randomize the area number.

The change is intended to lengthen the supply of numbers by making all numbers available to all areas, and to make it tougher for identity thieves to guess your number.

Not exactly, according to the Social Security Administration.

In fact, many other people may share two groupings exactly.

Often, as in the case of a school or a charitable organization, they simply want it to use your number as a unique identifier.

In that case, says Javelin Strategy & Research's Van Dyke, you'll need to start negotiating again.For instance, anytime you're applying for credit -- for a new credit card, a loan, new telephone or cellular service -- the creditor will need your Social Security number to run a credit check.You'll also need to provide it if you are applying for federal or local government benefits such as Social Security, Medicare or Medicaid, unemployment insurance or disability."The reason a doctor or a dentist asks for your Social Security number is that, should you die while under his or her care, they are required to put your Social Security number on the death certificate," says Foley.Even so, fulfilling noncredit-related requests -- even medical-related requests -- is purely optional, says L.Another example: If you or your children receive services or aid at the state or local level, such as free or reduced fee lunch or financial aid.

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