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by smogcutter 2456 days ago
“Honestly your honor, I wasn’t going to use the loan I applied for with false information, I was just trying to briefly confuse hackers and advertisers!”

But I really don’t know, because I’m also not a lawyer and therefore do not give people legal advice on the internet.
1 comments
ryanlol 2456 days ago
The idea is that you'd use the loan, and pay it just like you normally would. But instead of giving the lender your actual address you give them some other address, essentially indistinguishable from a regular data entry error.

I can't see anyone getting in trouble for this unless they're creating fake credit profiles or not paying their debts, the credit bureau dbs are chock-full of garbage data from garbage sources.

How would you even get caught in the first place?

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smogcutter 2456 days ago
I mean, go for it, but you’re still talking about falsifying loan documents. That’s gotta be a good way to gin up trouble, even if it doesn’t come to prosecution.

I just can’t see a scenario where some info is fake and other info is real (necessary bc you’re using and paying the loan) that’s both kosher with the bank and gives you the obscurity you’re looking for. Is this something you can actually speak to from experience, or are we both spitballing? Because I’m happy to be wrong, but if we’re both making this up as we go then the conversation is pretty pointless.

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ryanlol 2456 days ago
>That’s gotta be a good way to gin up trouble, even if it doesn’t come to prosecution.

But how? Realistically the worst case scenario here is that you get denied the loan because the computer says no, after the initial application nobody cares unless you owe an outrageous amount and stop paying.

>Is this something you can actually speak to from experience, or are we both spitballing?

Yeah, when companies or governments ask me for my "home address" I definitely don't tell them where I live. I also go out of my way to corrupt my name whenever possible. Phone numbers? Usually just random numbers unless I know for sure I'm going to get a call I need to answer.

And yes, I have credit cards.

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smogcutter 2456 days ago
Corrupting your name in particular is good policy. Hell, if you do it differently in different places and keep track that gives you an idea of who’s selling your data to who. Still not with you on lying on credit applications, but mazel tov if it’s been working for you.
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