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so back to the membership agreement what you are going to do typically starting is when your manager or if you have someone helping you even if youre closing your own deals youre going to start filling out the name in the address boxes on the bottom do everybody see the line says applicant co-applicant billing city home phone home phone and email address there are no blank spaces on this if they do not have a second home phone you get his selling her cell if theres one person who only has one phone number you will put not applicable next to it so that we know you asked for it otherwise were going to presume you forgot it email address we will get that no blank spaces if it says applicant up here is on the top its the same applicant thats on the top on the credit app it should match before you start a credit app youre going to ask them do either of you have better credit than the other if one is a housewife and hes working guess what he goes on top he has the income knowing your