hey Im 18 years old. Im basically in the same situation as you. I have zero credit. My parents wont co sign. Basically I went to ride now on 19. My brother in law went to co sign with me. hes 22. He had perfect credit and i was all set for an 08 r6 paying 170 a month. I was pretty damn happy because i knew i could afford it no problem and its somnething ive always wanted. well we went that saturday to finalize everything and my co signer changed his mind thinking he doesnt want that much on his credit even tho he knows i wont miss a payment. oh well no bike for me. i went down to my bank and got a credit card now im just building some credit so i dont have to rely on anyone else...