<prompt> Human: About a year ago my brother asked me to cosign on a car loan for him. Unknowing of the negative consequences that could and did happen, I signed because he needed a car to get to work and I thought I was being a good brother for helping. Fast forward to October of 2016, he was habitually late on all his payments and he racked up a number of tickets on the plates that I assume was under my name. His parents bailed him out with refinancing the loan through their credit union, which should have cleared my name from the debt. However, my credit dropped severely due to the serious delinquency of the debt that he was in charge of paying. Its slowly been climbing back up but Im in a hole and cant get any approval for anything that requires some form of credit. Is there anything I can do to remove the stain on my credit that he left? The tags of serious delinquency and longs periods of unpaid debt seem to be holding me back quite a bit. Im currently a college student and have a little bit of student loan debt as well, but Im still enrolled full time so I figure those numbers arent bringing my credit down as Im still not needing to make any payments until I graduate. Any info or advice would be greatly appreciated.  <response>: You cosigned on the loan so you are as responsible as he was for the debt. Theres nothing you can do. 