my credit score sucks, got approved without a co-signer and they want money down and high payments. I insisted on using a co signer and they told me that a co signer wouldn’t help because she doesn’t live with me? Is this bull crap? She has 800+ credit score and no debt! Mine low 600. I want better interest rate and lower payments. Definitely don’t want to put anything down. So is it true ? Wouldn’t a co signer be the best option for me?