that makes no sense at all when i went with my mom to get a loan I already had a better credit than her because my parents gave me a gas card with my name on it so even tho I never made the payments I got the credit from it
and my mom co signed my loan and I just give them her cash or do extra chors and she deposits money into my account to be used for the payments sense I just cash my pay checks at the service center at work but that dosent mak any sense at all sucks to be you