Some of the dealers are telling me that even if my co-signer has great credit, this will not help to lower my monthly payments, but rather only to increase my chances of getting approved. They are saying that my monthly payment will be based on my credit and NOT on the cosigner's credit. One dealer said that if I was buying then the monthly rate would be based on my cosigner's credit but for a lease it's based on my credit. This doesn't seem right to me. Is this the truth or are they just BSing me? I'm getting mixed info and can't get any straight answers from dealers. BTW I live in CA and am looking to get a base model Ford Focus SEL. Thanx in advance!