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I have learned some important things as a result of your post. I would also like to state that there can be situation where you will apply for a loan and don't need a co-signer such as a Fed Student Aid Loan. But when you are getting credit through a regular finance company then you need to be willing to have a co-signer ready to enable you to. The lenders can base any decision on a few aspects but the most important will be your credit score. There are some financial institutions that will likewise look at your job history and make a decision based on this but in almost all cases it will hinge on your scores.
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