A creditor can always require the signature of a cosigner on a credit application.

Name: A creditor can always require the signature of a cosigner on a credit application.
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A creditor can require a cosigner if the borrower does not meet the lender's criteria for creditworthiness on their own, but it's not an absolute right for all credit applications. The requirement for a cosigner is based on the lender's assessment of the borrower's ability to repay the loan.

A Creditor Can Always Require the Signature of a Cosigner