Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to gather information for a business loan application [title] Check your credit report. [step] Even if you're not personally guaranteeing the loan, the financial institution that processes your loan will be checking your personal credit report. Get a copy of it before you complete any loan applications so you know your score.

Ending1: [substeps] Most of the time, loan applications are based on your credit report alone. However, you could apply for a loan from another company that also you if you have your report handy. Ending2: [substeps] Give credit report reports directly to the lender whenever possible. The lender may be unfamiliar with your personal information, but they will likely offer independent verification. Ending3: [substeps] Make sure you have all the details you need if you're planning to apply to get a loan. Potential lenders may ask about your personal history with particular loans they'll most likely pursue if he or she believes you're not a good candidate for the loan. Ending4: [substeps] You are legally entitled to one free credit report every 12 months. You can request your free report by visiting annualcreditreport.com or calling 1-877-322-8228.

Answer format: ending1/ending2/ending3/ending4