That's a good question. I wouldn't submit it until you get your transcripts on there because I sent mine in at the beginning of September and one of them still isn't on there. OTCAS says it's your responsibility to make sure everything is included with the application. If they lose your transcripts, you're going to be in trouble. I don't know if you can even check on the status of transcripts after you submit it. Maybe you can email OTCAS and see what their response is.