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Cosigner

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A co-signer is a person who is obligated to pay back the loan just as you, the borrower, are obligated to pay. A co-signer could be your spouse, a parent, or a friend. The lender cannot require your spouse to be a co-signer unless you are both applying for the loan.

Any questions or concerns please contact our Customer Care Department at(442) 229-5480

Client Portal Reminder A lender cannot require you to have a cosigner if you qualify on your own. If you are told that you need a cosigner for a loan, it means that the lender will not offer you the loan based solely on your own income and credit record.  The lender wants another person to also promise to pay the loan. This is what a co-signer does. A co-signer is a person who is obligated to pay back the loan just as you, the borrower, are obligated to pay.  A co-signer could be your spouse, a parent, or a friend. The lender cannot require your spouse to be a co-signer unless you are both applying for the loan. Having a co-signer on your loan can be a benefit to both you and your lender. Co-signing gives your lender additional assurance that the loan will be repaid. You may get a better interest rate with a co-signer. There are risks for the co-signer. The co-signer is also obligated on the loan. If you do not repay your loan, your co-signer will be liable for repayment even if the co-signer never drove your vehicle. In addition, if you pay late or default  on the loan,  both your credit and your co-signer’s could be negatively affected.

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It depends. We are able to get negative items deleted because the credit bureaus are responsible for maintaining accurate records and the government sets up laws to help you hold the bureaus accountable. Deleting negative items is not about whether or not you actually owe on that debt, but if the bureaus are accurately recording that debt. If there are inconsistencies then we are likely able to get that debt removed.

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