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Dave – FS Concierge
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Welcome to the forums Vivian!

Great question. It depends a little on whether you want them to LOOK more formal, or BE more legally robust.
Consider a designer, a lawyer, or a site with pre-made forms that will give you a little of both (LawPath is one example).

Hopefully others can lend their advice.
Dave

P.S. You could also request a credit application form from some other companies, and see how they do it.