I need to get some payments to re-establish my credit. I have a co-signer with excellent credit. A friend says not to use the co-signer since it doesn't look as good as me having a loan by myself with a higher APR. How much truth is there to this? Should I get a 8-10k loan in my own name at 15-18+%? Or should I use a co-signer and get a lower APR and higher loan value. I would like to buy a more expensive cosigner, but I need to do the smartest thing for my credit. What is the boards advice.... TIA, AF
