You must submit your own credit report. A credit report, preferably with credit score, from one of the three major credit reporting agencies (Transunion, Equifax, or Experian) printed within 30 days of submitting your application. You may secure a free credit report from each of these agencies once per year at http://www.annualcreditreport.com. Reports secured through third parties and incomplete or abbreviated credit reports will not be accepted. May be printed double-sided.