Hi Philip, just reaching out as it's been a few days since we last heard from you. I know lots of people in your shoes stop at this stage as they think they'll be declined but 99% of our applicants are approved, with a valid co-signer. If you're stuck, reply and I will get back to you, or finish up your application here https://tcrdt.com/s/LLNF960J Reply CANCEL to unsubscribe. Ben, Transform Credit