While it's well understood that the site requires money to function--as well as to progress--locking key-features of character customization behind a literal paywall isn't the best way to earn money.
Your users love the site and are inclined to pay for VIP to help keep the site going--as well as people who want to complete collections are willing to pay for cards. But, locking name-changing, age and year-movement is just anti-consumer.
You'll notice I haven't mentioned Houses. There is a reason for that. Houses can easily be chosen via the correct choices, so keeping that behind a paywall is fine in my opinion.
Regardless--my suggestion is to allow everyone the option to change their name, year and age once. Once this one chance has been used up then they have to pay to change it again. I think such a thing is fair to the consumer, and fair to the site as well.
Customer support service by UserEcho