I know my own credit is shot... Long story short:

GM was in process of buying back my lemon of a car (truly, lawyer paperwork was drawn up), when Chase decided to repo it instead and then refused GM payment in full for it (trashing my credit).

Yes, that is right: CHASE made the decision to repo the vehicle, THEN decided to NOT accept payment in FULL from GM, then came after me.

However, my parents said they'd co-sign for me but I can't get to that point - I'm denied even before I can get the co-signer option.

Thoughts?