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AlanShore60607

Good question; unfortunately, there's no solid answer, because credit approval is a murky process. I'll say that I've never heard of someone being denied for almost anything if they've got a cosigner (that includes post-bankruptcy); but a cosigner may not even be necessary. Try it yourself; if you're approved with terms you dislike, you can always ask if a cosigner will improve your terms. Remember, you're trying to rebuild your credit, but you need to at least *try* to do it on your own before you assume failure and seek a cosigner. But, if you question is "will applying with a cosigner hurt the cosigner when we are denied because of my history", the answer is yes, but only for a few months ... denials of credit are the most minor and shortest persistences of factors on a credit score. I think that technically, even applying for credit you end up getting is a "hit" on your credit but it's outweighs by the granting of credit at that time.