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I have learned a number of important things through your post.
I'd personally also like to convey that there may be situation where you will apply for a loan and
don't need a cosigner such as a U.S. Student Support Loan. But if you are getting a
borrowing arrangement through a traditional lender then you need to be
ready to have a co-signer ready to assist you to. The lenders will base that decision over a few
components but the most significant will be your credit history.
There are some loan companies that will in addition look at your job history and come to a decision based on this but
in many instances it will be based on on your score.
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