Rose thanks for this. I'm sorry about your brother and they do have a mental block about certain things. I've known this guy for 3 years. He always told me I could ask him for anything. In that time frame i may have asked twice for something like for him to fix a cabinet or door frame or something in my house. So when i said no to his proposition he said so I'm supposed to always help you but you will never help me if i need it, is that how this goes? I feel this is how he was trying to be angry and turn it around on me. I was in shock because the small things i've asked is minor compared to taking out a loan!!!!! In the past year he's asked twice how's your credit score? I always lied and said I'm not sure. I had to get a new car last month so I assume since i got a new car it tells him my score was good and I probably can get this truck loan too. His timing of this proposition after my car purchase is Just appalling!