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Many people have difficulty qualifying for credit because they don’t have a credit history, or that history has black marks on it. Others in this situation may qualify for credit, but with an out-of-reach down payment and higher fees and interest. The option of using a cosigner can be critical for people without established credit or with low credit scores to purchase cars, take out loans to cover emergency expenses, and meet other needs. A cosigned loan can also help establish or rebuild credit.