I bet scrubbing could be lowered if billing companies integrated another level of security, similar to how checks are processed online for example.
Before the charge is accepted, a personal question is asked, similar to:
Pick the first 5 of your social security:
232-32-xxxx
323-55-xxxx
528-13-xxxx
None of these
or: What was your previous street address?
243 Darby Ave.
2912 Mission St.
1192 5th St.
None of these.
These services are out there, and they couldn't hurt:
http://www.experian.com/products/aut..._services.html