Jul 15

I know i'll need a cosigner and the only person who can do it is my mom, but she's the complete opposite of me.....she has a job but bad credit. If she cosigns, can the loan be approved?? If so will the interest be sky high??? (I WISH I COULD JUST PAY SOMEONE TO MAKE ME SOME CHECK STUBS!!) :)
My income is around 1800/mo; all grants and scholarships and i know banks wont consider this as income. Please help!


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Jun 16

I am trying to repair credit. I have enough money to establish a secure credit card without impacting my budget too much. I can also qualify (barely) for an unsecured card with excessive fees (billed to my available credit upon issue). So, I guess my question is...is there any difference in credit reporting between the two options? This will help me decide which route to go. I plan to use the card incidentally, only to show usage and increase my credit score.


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