Originally Posted by Zerafian

Its cool man, thats a legit question. Back in 06' I really had no credit, no loans, no credit cards, so I had to get a cosigner. Sadly my only available cosigner had bad credit but they still approved us because I had a good job back then and I could prove good income. It was financed through the dealership and come 2011 with numerous attempts they would not refinance and no bank would give me a loan for the remainder, which I wasnt surprised about at all.

Im not even going into what I should have done.