The alternative credit application could save time and trouble, if lending institutions are willing to accept it as a substitute for their own.
Today the lenders are able to take informed decisions while underwriting the credit applications.
Mortgage brokers in Canada are paid by the lender and do not charge fees for good credit applications.
About 40 percent of all recent credit applications made by the respondents were not approved, the council said.
"You'd fill out a credit application and we'd have our credit agency check you out."
Also, add a victim's statement to your report requesting they contact you to verify future credit applications.
Customers without driver's licenses must complete credit applications before their checks will be accepted.
The agency began investigating fraudulent credit applications in 1985 when they suddenly mushroomed into a $15 million annual problem.
And the credit application for the expectant mother was approved quickly.
"Well, he didn't make him fill out a credit application," Wilson said dryly.