I have learned several important things via your post. I'd personally also like to state that there may be a situation where you will apply for a loan and never need a co-signer such as a Government Student Aid Loan. However, if you are getting credit through a standard creditor then you need to be made ready to have a co-signer ready to make it easier for you. The lenders will base their very own decision on a few issues but the greatest will be your credit worthiness. There are some loan merchants that will as well look at your work history and decide based on that but in many cases it will be based on on your report.