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The cosigner is responsible for the loan and payments if the signer does not pay or keep up the payments. Your credit rating can be affected.
Car payments can affect credit scores positively if they are made on time and in full, showing responsible borrowing behavior. However, missing payments or defaulting on a car loan can lower a credit score significantly.
No but if something happens to the card-holder, like dieing or being arrested, the authorized signer will be made responsible.
The number needed to make mortgage payments are different in each state. Mortgage payments can also be made online or by mail.