Examples:
Any inquiries into my credit in the past 90/60/30 days have been mortgage/rent/student loan related. I have not opened any new accounts or applied for new credit other than mortgage/rent/student loan.
I have applied for several new tradelines in the past 90/60/30 days as I have need several items. These accounts should be appearing on my credit report and included in my debt ratio. Please let me know if I can provide further information on any tradelines I have opened. (You will more than likely be asked to provide statements that show minimum payments due.)