Removing Co-Signer

[Harvey26]

So today I applied to refiance my car solely in my name and drop my mom as a co-signer. So just curious how would that effect her credit her scores are around 770-800s.

[Anonymous]

Assuming she has at least one other installment loan in her file (mortgage, another car), it will likely have no effect. Her scores are so strong as it is, that small things won't affect her greatly in general, even if she doesn't already have another installment loan. Kind of like a strong wind may entirely uproot a young, thin, sapling, but with a big, healthy, mature tree - it may snap a few twigs but mostly it'll just ruffle the leaves.