Jumping in on this thread with a related question on "joint intent" - if we have a consumer credit application, in which the box is marked next to the statement: "If you are applying for joint credit with another person, complete sections A and B. We intent to apply for joint credit.", but the line directly following for the applicant and co-applicant to initial is not completed on the application form, however both applicant and co-applicant signed the bottom of the application form. Do we have "joint intent" issues/violations with this scenario? Directly above the credit application signature at the bottom of the page, it states: "by signing below, you certify that you have read and agree to the terms and disclosures on all pages of this application."