<prompt> Human: So I took out a loan for buying a car, I couldve payed cash but wanted to help my credit out a bit as Im 21 and now I see that the dealership mistakenly put me as the cosigner and my mother as the main borrower instead of the other way around. Upon calling the dealership they said that no matter whether I was the main borrower or the cosigner, my credit would be affected positively in the same fashion. I thought this was strange as Ive always thought the main borrower gets a bigger, better effect on their credit. Anyone know if he was correct or have more information on such a situation? Thanks  <response>: Hes correct. You both are treated equally responsible to the credit bureaus. If payments are made on time and in full then both credit scores are impacted positively. If the payments are late or not paid then both are impacted negatively. Same consequences. The only thing this may effect is when the deed is sent out for the car after the loan is paid back. Just make sure they send it in your name and not your moms. They may contact you when the time comes and help you through that anyway. 