congratz and be careful. What you call "pretty much with legit information" might be considered identity theft in some states. I would recommend checking your states statutes on identity theft before taking this to far. And a heads up I work for a bank and I have seen search warrants executed for account documentation and that will lead straight to you. But the idea is to always seem like a typical new person who is testing the waters and getting a feel for how things work. But good luck.