Help me get out of debt

I was wondering if anyone here has actually dealt with this institution or maybe even had some kind of "business" arrangement with them, and if so, what’s the actual reality versus how they pitch themselves in their ads?

I sent over an inquiry regarding a loan, but I haven't heard back from them yet, so I guess I'm just sitting here wondering what the typical turnaround looks like or if I should expect to be left hanging. Thanks.

That’s just how AT&T services work. They act as middlemen—gathering all your paperwork just to drop it off at a bank where your chances of getting a loan stay exactly the same as if you'd walked in yourself—all while charging you upwards of $1.75 for an insurance policy you'll stop paying for after a year, and let's face it, you aren't seeing that money ever again.

And honestly, they act like they’re some kind of universal fix for everything you could ever need. But since I actually need a guarantor for what I'm trying to pull off, there isn't much they can really do for me, is there? I went ahead and gathered all the paperwork myself, thinking I had it handled, only to end up getting a rejection letter 😵

Why would you even need a co-signer?

Maybe give Chase or Wells Fargo a shot—just because one bank is asking for a guarantor doesn't mean the next one will... They’ll likely just follow the same playbook, though they might move faster since they already know everyone else's terms—is that extra cost actually worth it to you? If it is, they aren't the villains here; it's not like you're dealing with some predatory loan sharks or anything. But if there's a legitimate reason you need a co-signer—meaning a co-applicant, I assume—then honestly, nobody can really help you if your credit score just isn't there...