Good news and bad news

Sorry, I missed the part about her having a high debt to income ratio.  You need to find someone that has a good credit score and also has enough disposable income left over after paying their monthly bills.

I'm with Liz. Try through Capital One or Care Credit. Debtfree is right. Every time someone checks your credit, it lowers your credit score. It doesn't have to be a sib..anyone who's willing to help you and has good credit could co-sign it. Maybe the bank won't report to the credit bureau to lower her score..some don't. Anyhow, a pound lost is still one more pound that you don't weigh anymore! OH, and you said the other day you might be crazy for signing up for Avon? Count me in the madness too because I just started a new Tupperware business! LOL