# Lease Early Termination and Credit Report

**URL:** <https://forum.leasehackr.com/t/lease-early-termination-and-credit-report/687978>\
**Category:** Buy/Finance\
**Tags:** jeep, wi, usa-nationwide\
**Created:** [June 24, 2025, 4:11pm UTC](https://forum.leasehackr.com/t/lease-early-termination-and-credit-report/687978 "2025-06-24T16:11:59Z")\
**Posts on this page:** 1\
**Showing post:** 4

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**Author:** ![holeydonut](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/holeydonut/32/146662_2.png) [@holeydonut](https://forum.leasehackr.com/u/holeydonut)\
**Post date:** [June 24, 2025, 11:22pm UTC](https://forum.leasehackr.com/t/lease-early-termination-and-credit-report/687978/4 "2025-06-24T23:22:49Z")

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I think the problem is your specific use of the words “ **terminating** my lease early.” If a CCAP representative hears those very specific words, then they are likely assuming you are trying to terminate a lease more than 90 days from the maturity date without paying off the account or without paying the remaining payments.

I think what you’re really trying to do is what CCAP refers to as a “customer payoff”. While they may sound similar (you’re getting out of the lease), the early termination option may actually harm your credit since the early termination process is much more involved and will be affected by what the car is sold for auction.

If you call CCAP back, make sure you’re 100% clear that you simply want to do a customer payoff; and you want them to tell you what is the amount owed under that option. Avoid using the phrase “early termination.”

You can see here in their fun little matrix that the Dealer Buyout (with double asterisks) tries to differentiate itself from a true “early termination”

 ![image](https://leasehackr-assets.b-cdn.net/original/3X/9/4/945dfdbe66cab958a642bc0478c8621274cce003.png)

 ![image](https://leasehackr-assets.b-cdn.net/original/3X/0/9/09ad4c383724ed3202fb7cf2f69d93dcd743c560.png)

![image](https://leasehackr-assets.b-cdn.net/optimized/3X/4/8/484723236ffbca152b7343d344904d98fe1134ce_2_690x49.png)

![image](https://leasehackr-assets.b-cdn.net/original/3X/b/f/bf76fcaac248bba393f882ec7a345d797793d47a.png)

 ![image](https://leasehackr-assets.b-cdn.net/original/3X/0/4/041ea709dd0e7eb084518e06f982fef297cf88c7.png)

> **[CC-LSG\_50112-0-Lease-End-FAQ-7.pdf](https://training.chryslercapital.com/wp-content/uploads/2015/06/CC-LSG_50112-0-Lease-End-FAQ-7.pdf)**
>
> 484.36 KB

> **[CCAP-18264-DLR-Lease-End-Grid.pdf](https://training.chryslercapital.com/wp-content/uploads/2017/05/CCAP-18264-DLR-Lease-End-Grid.pdf)**
>
> 89.58 KB

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