I/We the undersigned, declare the information provided is a true and complete representation. I/We understand that it is being used to determine my/our credit responsibility and to evaluate my/our request for credit. I/We authorize We or their designate to obtain a credit report. I/We acknowledge that the completion of a credit application may take time and it might entail additional credit reports. I/We permit additional credit reports for up to six (6) months from the date signed below. I/We also authorize We to exchange such credit information for the purpose of securing credit with potential mortgage lenders, mortgage insurers or other service providers. We may retain the application and credit information.