Go to "Multiplayer" mode and turn on the PSP's Wi-Fi switch, then select"Ad Hoc", "Create", "Random", "Launch", and finally "Auto". Instead of spawning, go to the customization menu. Customize your character as desired; go over the 100 point limit. Turn off the PSP's Wi-Fi switch, then select "Continue" and exit out to the main menu. You can now use that character in any mode.