She then used their identities to apply for loans in their names, with the money eventually transferred into her account.
It is also alleged Thomas used a fake passport to obtain a Point Cook rental property, for which more than $4000 in rent was never paid.
Police opposed bail, arguing Thomas posed a flight risk if released.
Thomas, who moved from South Australia to Victoria last year, represented herself on a string of deception charges.
She told magistrate Alan Spillane she intended to plead guilty on Friday but he wasn't convinced.
"You're exactly what they say you are - you're a person avoiding justice," Mr Spillane said.
"It seems to me you're hiding out in a different jurisdiction."
Thomas was remanded in custody to face the same court on February 10.