I went through the process of clearing my credit report of undue debts that were not mine and paid debts that were mind and now my credit score if fair and I have no established credit or debt is what the bank kepts telling me. However, I was advised by bank lenders to clear my report and pay all debts that are mine and come back 6months to a year and they can help. When I came back they tell me I need a co-signer because I have not established credit or debt. I need help, I need a personal loan now to pay out my daughters junior and high school tuition. She attends a private school. Where can I get help