By submitting this form I authorize you and your assigns to obtain and review my credit bureau, retain this application as your property whether or not a credit relationship is consummated, and make any investigation you deem advisable before or after a borrowing or extension of credit is made. If credit is denied, I am entitled to a clear and meaningful statement in writing of the reasons. I further authorize the communication and release of information or data relating to this credit application and my credit, for any legitimate business purpose through any source, including a source named in this application, a lender or broker that may be interested in providing credit to me or a consumer reporting agency.
The FEDERAL EQUAL CREDIT OPPORTUNITY ACT prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, provided that the applicant has the capacity to enter into a binding contract, because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, and Washington, DC 20580
California Residents: If married you may apply for a separate account.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
New York, Rhode Island and Vermont Residents: Consumer reports (credit reports) may be obtained in connection with this application. If you request: 1) You will be informed whether or not consumer reports were obtained; and 2) If consumer reports were obtained, you will be informed of the names and addresses of the consumer reporting agencies (credit bureaus) that furnished the reports. If this application for credit is approved, you authorize ______ to request and use subsequent consumer reports in connection with (a) renewals or extensions of this credit; (b) reviewing your credit; (c) for the purpose of taking collection action on this extension of credit; or (d) other legitimate reasons associated with this extension of credit.
Utah Residents: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Maine Residents: Consumer reports (credit reports) may be requested in connection with this application. Upon request, you will be informed whether or not a consumer report was requested and, if it was, of the name and address of the consumer reporting agency that furnished the report.
Married Wisconsin Residents: No agreement, unilateral statement or court decree relating to marital property adversely affects a creditor’s interest unless prior to the time credit is granted the creditor is furnished a copy of the agreement, statement or decree, or has actual knowledge of the adverse provision. If the credit for which you are applying is granted, your spouse will also receive notification that credit has been extended to you.
NOTICE TO MARRIED APPLICANTS: NO PROVISION OF A MARITAL PROPERTY AGREEMENT, A UNILATERAL STATEMENT UNDER S.766.59, OR A COURT DECREE UNDER S.766.70 ADVERSELY AFFECTS THE INTEREST OF THE CREDITOR UNLESS THE CREDITOR, PRIOR TO THE TIME CREDIT IS GRANTED, IS FURNISHED A COPY OF THE AGREEMENT, STATEMENT OR DECREE OR HAS ACTUAL KNOWLEDGE OF THE ADVERSE PROVISION WHEN THE OBLIGATION TO THE CREDITOR IS INCURRED. IF YOU ARE MARRIED AND HAVE ONE OF THE AGREEMENTS MENTIONED ABOVE WITH YOUR SPOUSE, YOU MUST GIVE US A COPY OR IT WILL NOT BE BINDING ON THE CREDITOR, UNLESS THE CREDITOR HAS ACTUAL KNOWLEDGE OF THE ADVERSE PROVISION WHEN THE OBLIGATION IS INCURRED.