This you can do somewhere? My bank asks me 20 questions (many like my first pet name, the last transaction I did etc) and then calls me back on the registered phone number. That data alone should get you nothing really. For credit here , small or large, you have to prove you are you or you get a nice police escort. Most of these apps, even if you are already registered, want you to tap your passport to nfc and scan your face for anything serious.