If you submit an application, Delta Financial Services will obtain your credit report. By submitting this application, you authorize Delta Financial Services to make whatever credit inquiries that we deem necessary in connection with this credit application or in the course of a review, collection, refinancing or consolidation of any credit extended in reliance on this application. You authorize and instruct any person or consumer credit reporting agency to compile and furnish to Delta Financial Services any and all information related to your creditworthiness or your transactions and experiences. Such information and any information provided by you in this application shall remain Delta Financial Services' property whether or not credit is extended. All loans are subject to Delta Financial Services' normal credit criteria.