My husband is trying to finance for a car loan.. however, he doesnt have enough credit so he needs a co-signer. My credit is very bad. If i add my name to the loan application, would it give it a better chance of getting the loan since i do have more credit (even if its bad) or am i better off of the application? And if i do apply and get approved, would it ruin his credit b/c of my hsitory of bad credit? I have only 4-5 negative reports that i have not paid for.. nothing major like a car though. I also have a few good standing accounts as of today.