I/We hereby certify that the foregoing statements are true and complete and are made for the purpose of determining my/our eligibility for credit. I/We agree that this statement shall remain your property, whether or not the application is accepted. You are authorized to make all inquiries you deem necessary to verify the accuracy of the statements made herein, and to determine my/our credit worthiness, including, but not limited to, procuring consumer reports from consumer reporting agencies and credit information from banks and other financial institutions and extenders of credit, reference, present and former employers, merchants, landlords and creditors. Each applicant consents that upon denial of the application based upon a consumer report or information received from a person other than a consumer reporting agency on any applicant creditor may make appropriate Fair Credit Reporting Act disclosures to all applicants. I give consent to creditor to contact me by text or other similar data messages. I HAVE NO OTHER DEBTS EXCEPT THE ONES LISTED ABOVE.