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Lumifer comments on Stupid Questions May 2015 - Less Wrong Discussion
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You can't do this for a large amount without a decent amount of credit history and seven (I think) years of no credit is a very high price to pay for a 50% chance at some sum.
And if you try to do this for a large amount, the bank will want assurances of you being able to pay them back. If you do this with "false documents", you will go to jail for fraud.