Woman’s Boyfriend Has Bad Credit. So He Convinces Her To Co-Lease A Car. Then She Tries To Steal It Back After He Stops Paying

'If the banks don’t trust him, why did you?'

Woman says man she was dating had a low credit score

Photo by: AdobeStock

Nina Hernandez

By: Nina Hernandez

Mar 14, at 6:00pm ET

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A woman tells the story of dating a man with such a low credit score that she had to co-lease a car with him so he could take her on dates. Here’s her story of being “down bad” and what you should know about co-signing on a romantic partner’s car lease or loan.

TikTok creator Eve (@ebtilley) posted a video with her story on Feb. 11. “Just a reminder if you’re down bad that I once dated a guy whose credit score was so low … [around 450] that he couldn’t actually lease a car himself,” she says to start the video. “And so he convinced me to co-sign on a car with him—a six-year lease, mind you—so that he would have a car to go to work so that he could make money to take me on dates and also a car to come to my place.”

What Happened After This Woman Co-leased A Car With Her Boyfriend?

Unfortunately, the arrangement soon derailed. “Except, he stopped paying his monthly car bill and his phone got turned off, so I couldn’t call him to remind him,” she says. “In order to not have it ding my credit, I would have to call and pay his monthly car bill, and so he still had a car to come visit me. And then after about the third time this happened, I told a close friend and she was like, ‘Do you have a spare key?’”

Eve did happen to have a space key. “And so I contemplated going and, like, stealing the car back, because it was also in my name,” she says. “But it wasn’t at his mom’s house, which is where I thought he was staying when he wasn't with me.”

That led her on a “wild goose chase at four or five different girls’ places he could be staying,” she says. “Based on finding their phone numbers on his AT&T call log. And around that time, a couple of days later, he did return my call and showed up and convinced me to be in a relationship with him.”

According to Eve, they repeated this cycle for about another two years. “Until he proposed to me with the engagement ring he bought on my credit card,” she says.

He later got a new car after an accident that resulted in a cash settlement. That at least got her off the hook for the lease they shared. In the three years she was on the lease, she never let a payment be late and therefore spared her credit.

Viewers React To The Woman’s ‘Down Bad’ Co-Lease Story

In the comments section of the video, viewers practically staged a revolt. One even shared a vaguely threatening “come here” meme.

“Admitting to this should lower your credit score,” wrote one person.

“Girl, don’t tell us nothing else,” ordered a second viewer.

A third person asked, “If the banks don’t trust him, why did you?”

That is a valid question, considering that a 450 FICO score falls in the very poor range. According to Experian, consumers with this score often show “a history of missteps or errors, such as multiple missed or late payments, defaulted or foreclosed loans, and even bankruptcies.”

People in that situation generally require a co-signer when applying for car loans and leases. Of course, that comes with significant risk to the co-signer, who is now responsible for covering the payments if the other person can’t or won’t. If the loan defaults, the co-signer’s credit takes a hit.

What do you think?

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That’s why many experts suggest only co-signing on loans or leases that you can personally cover in your budget. That way you’re not left high and dry if the other party doesn’t meet their end of the deal.

Motor1 contacted Eve via email for comment. We will update this story if she responds.

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