A consumer report may be requested in connection with your application. Upon request, the applicant will be told whether or not the consumer report was requested, and if such report was requested, the applicant will be informed of the name and address of the consumer reporting agency that furnished the report. We may report information about your account to credit bureaus, which may be reflected in your credit report, including late payments, missed payments, or other defaults on your account. Everything that I have stated in this application is correct to the best of my knowledge. I understand that you may retain the information contained in this application whether or not I am approved for the loan. You are authorized to check my credit and employment history and to give my credit history with you to others as allowed by law.