Mt Fico scores are 683(Equifax), and 673(Transunion) with 3 paid charge offs from 2006, and numerous other negatives including 30, 60, 90, and 120 day lates. I am debt free and my last late payment occured in January, 2008. i currently have a Visa card with a $500.00 limit from my credit union that I have been paying in full for the last 14 months. i am looking to purchase a new car. My wife has offered to cosign for me. She has good credit with mid 700 scores, and a 100k salary. I would like to get the loan in my name only if possible. My question is if I apply for the loan myself and am denied will that count against me if I then re -apply for it jointly with my wife?
