Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to get preapproved for a mortgage [title] Check your credit reports for free. [step] You are entitled to review your credit report from each of the three main credit companies once a year for no cost. If you want a copy of your report more frequently, you will have to pay a fee.

Ending1: You can do this by visiting annualcreditreport.com and clicking on the " report debt " button. [substeps] Each credit line charges their own money for repaying the debt, so you don't have to pay a fee. Ending2: But even that fee is worth spending if necessary to buy a house. To get your free credit report, visit www.annualcreditreport.com. Ending3: You can get a copy from the credit reporting company as per the terms on the credit reports you are submitting, or you can use your own online search as well. [substeps] Some bureaus choose to offer " free " instead of " fee. Ending4: [title] Gather documentation of your repossessed house. [step] It can be hard to find a reputable lender if you are in a complicated financial situation.

Answer format: ending1/ending2/ending3/ending4