Well I had a bike and I didnt want it anymore and this guy I kinda knew tried to refinance it. He couldnt get a loan because lack of credit. So I got a legal document saying he was going to make the payments and if he was late I caould take it back, AND I Made him get full ins. He made every payment for a year which helped my credit. Then his credit got better and re refianced it in his name. I also checked each month to make sure it was paid. Never had a problem then me and him became good friends after that.