I agree, acknowledge and represent, that by personally submitting this application, the recipient is authorized to obtain my credit report from one or more consumer credit reporting agencies, to verify the information in my credit report with third parties as necessary, and to periodically update my credit information with credit reporting agencies. In addition, I consent to accept, receive, and use in electronic form any loan agreement (and any amendments or renewals), disclosure statements, notices or other associated documents and/or information that may be delivered to me.