Difference in joint application,co-signing,etc.

[yomellamoFICO2013]

My current score is on the 630-640 range and would like to explore a new auto loan. My mother has a score on the 740's. Anybody with a prior experience on getting a joint loan? Does this kind of loan gets reported on my credit report ?
I am hoping to be able to do it this way, so i can save on interest and give my scores a bump, as well as establishing a good payment record.

My plan is to hold this loan for 1 year, then get the auto note refinanced under my name.

[Anonymous]

Bump

[Robertwd82]

Yes it will report on both of your credit reports, assuming the finance company does report to the bureaus in the first place.  Sounds like you have a good scenario with your mother cosigning. I would take advantage of the low interest for the first year and send extra money and get into an equity situation.  But if you have high credit card debt ultilization I would send the extra money there instead of towards the auto loan.