One can use their own name with different personal information. You can also use the same personal information with different first or last name, or use an alias with different personal information. Before you decide which way to go you must know exactly what you are trying to do.

Personal information data include birthdate, social security number and address. Variations can be made easily to the address, but other variations including social security number and birthdate require you to be very keen to the inner workings of credit and how credit bureaus work.

Most people don't realize that credit bureaus are private firms that issue rankings on your credit when a credit check is done. People with bad credit are not doomed and there are ways out of the bind.

Understand that a credit bureau is a massive data base and new names are entered every second. If you call the credit bureau and give them your information they are able to pull your credit report and FICO score. All three credit bureaus work in the same way.

Any variation in the way your details are presented lodges the details as a new credit file because there is no history of the person. Therefore you have essentially created a new credit file therefore a new identity.