<prompt> Human: So basically, to be fair my husband is an immigrant so his credit is fairly new. My credit sucks. Around 600 and I have a bit of debt. I pay all my stuff on time, but Im currently not working and debt to income ratio sucks when I work anyway. I never made enough.I made sure my husbands credit looked good. His score shows up at 713. Which imho is good. Thats Experian, Transunion its even higher. His income isnt that great, but his debt to income ratio isnt terrible like mine was. The only debt he has is an auto loan and a credit card we pay off every month and never utilize over 30. The auto loan is a 16 interest rate and its killing us. We are literally getting charged more every month in interest. We wanted to refinance and they would have been able to lower the interest rate to 3.9 but we needed a co signer. Well thats not possible. : So now my question is, is it because hes only been here for a year that theyre not trusting him to this car loan? Otherwise, I feel like weve done everything right... so I dont understand why we need a co signer. Theyre not like this with everyone, right? : Ive managed to get refinanced in the past without a co signer in a far worse situation so Im really confused why this is happening. : I was hoping someone here who perhaps works in finance can give me more insight.  <response>: His income isnt that greatPretty much this. You could have 850 credit score and no current income and you would be worthless in terms of getting loans. Creditworthiness is only a multiplier to your income. Both need to be good. 