Everything I have entered in this application is true to the best of my knowledge, and is
 an accurate statement of my obligations and the income upon which I will rely on to pay the 
credit requested. I understand that you will rely on this information in deciding whether or 
not to grant or continue credit to me. I also understand that you will retain this information
 whether or not my application is approved. You are authorized to check my credit 
and employment history.