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I have 4 credits cards:
(1) - 3300
(2) - 1000
(3) - 500
(4) - 500
(Hospital Bills) - 600
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Additional Details
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.:MS. LADI:. | If my boyfriend needs a co-signer on a car could I co-sign with him if I made almost as he does? |
Both of our credit is poor.
Additional Details
LOL ok we are engagged to be married. We have 2 cars but we need one with A/C and since I'm going to college 20mins away mon-thurs. I need reliable transportation. We have been together for 9 years, we get married in April of 08 and we have a 7yr. old and 2yr. old...I can afford to pay for the car by myself with out his help, but we both need a co-signer, so I thought that by us applying together, we could get approved for a 10,000 car. Nothing spectacular.... |
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SPIFIMAN1
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Auto finance is what I do for a living and you have two problems. First you say you have bad credit also. Well two people with bad credit do not add up to one with good credit.
Second you are not married. These days it's not unusual for a lender to ask for proof of marriage on a co-sign deal even if you can get approved.
Having said that, I would still recommend against it. I see people every month that come in and want to buy a car and can't because they co-signed for a boyfriend/girlfriend and the loan went South ruining both of their credit profiles. |
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Lindsay S
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I went out on a limb over 3 years ago and co signed a car for my mom because she didn't make enough and didn't have good credit. Mine was above 700... in that time frame my credit has dropped to just above 500 and this is my own mother! I understand you have been with the man for a long time, but this was my mom. If she is capable of doing something like this and she is flesh and blood just imagine what he could do! I will NEVER co sign with anyone but my husband! I won't even co sign for my kids. I just wouldn't want you to be stuck with payments you can't afford and he won't help and your credit is ruined especially with children! Please don't cosign! |
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ole_salt
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The fact that you are even considering being a co-signer is a telling indication of why your credit rating is "poor". To my generation, "boy [or girl]-friend" implies a less than long-term committed relationship; what happens it the relationship ends before the term of the loan? Is this a necessary purchase; sure transportation is a necessity, but are there less expensive alternatives [used car?]. Instead of spending money you haven't earned yet, what current expenditures can be reduced to save for a means of transportation. [note - I said means of transportation, and not a status statement]. good luck. |
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mick
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NO NO NO NO NO NO. DON"T EVER CO-SIGN FOR ANY ONE. NO ONE. IF THEY CANT AFFORD IT SAVE IT. IVE SEEN TO MANY GOOD PEOPLE GET THEIR CREDIT RUNIED BECAUSE THEY WERE IN LOVE,BEING NICE,HELPFUL. DON'T DO IT YOU WILL REGRET IT. |
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Trade Nagy
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You could, but if your credit is as poor as advertised, it won't matter.
THINK before you do anything!!! Joint applicants (i.e. him and you, the co-signer) are both 100% liable for the loan. Say the loan gets approved, you have a fight and break up, he keeps the car and decides not to pay for it anymore and the bank can't find him. They won't call you asking where he is. They'll call demanding payment. This would further reduce your credit score if you don't pay it and you won't even have the car! |
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Neil S
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Don't do it, even if you can. |
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redvelvetflames4ever
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Girl don't do it!!!! I was with my ex for over 6 years and we were engaged to be married. I co-signed on a loan for him to help pay off his debts because HE had lousy credit. The relationship ended and not on a pretty note. Thank goodness I had him sign off on a contract I did not benefit from these monies, but that meant nothing to the bank. I had to take him to court and STILL I was having a problem collecting even after I won and had to go to the City Marshall's office. Do not do it. Wait till you get married to make such a commitment. |
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roritr2005
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If you have bad credit, they are not going to accept you as a co-signer. They want someone with stability who can guarantee the loan will be paid if your boyfriend defaults. Personally, even if your credit was good, I wouldn't co-sign anything. What if he doesn't like you a month from now and bails. You are left holding the loan and no car. Hope this helps!!! |
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beauty s
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Not co-signer!!!! u never no what is going to happen and they your stuck.... |
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annabelle p
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Yes, you can. Lenders always ask for a co-signor or guarantor before a loan is approved. This is to protect their interest because, in case the borrower fails to pay his obligation, the lending company can always collect from the co-signor/guarantor. |
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krysten_vance_2004
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If you have poor credit, you must have done something to get it that way. I would recommend doing something so that you don't need to get a loan or lease. Try to work things out without owing more money.
Also, if it is your boyfriend, I wouldn't recommend it because who knows if he will dump you and leave you with the bill. |
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