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.