Yea, I'm kind of with Terry....with the credit crunch, the house ATMs, questionable loan practices, etc, the days of easy credit with a soft background just are gone, gone, gone, gone, gone, maybe for good.
You might find some place that **might** do it, but I can only guess the rate would be ridiculously high.......
I use to be a credit analyst in another lifetime and any type of bankruptcy was an instant 6 month projected use deposit particularly if the credit to be extended was in the thousands, and that was in the 90s when you could turn on a water faucet and get a $20k loan even with a soft background....today, I doubt seriously anyone without a good rating will get very much, if at all. If they could I would suspect they'd still be buying houses, which we all know how that market has tanked due partly to the inability of credit to a fair sized cross section of the population.....
As for co-signing, there are few things in life one steers clear of....talking politics, religion and loaning money to friends, sometimes even family. Good fences make good neighbors, but only if you're not the one buying your neighbors fence.
