The Credit Thread

[trism]

What I offered to maintain in this thread is a list of lessors and which score models they use, based on input from other members.

This would allow someone with general concerns about their creditworthiness to acquire in advance the same score model as Lessor X uses, to be more informed about their likelihood for approval (and favorable pricing) before they even start shopping.

First Time Leaser Need Help

You can purchase a bundle of FICO scores from myFICO, or from credit.com (the latter is a newer offering that I haven’t used). https://www.credit.com/extracredit You need to know which score model your target lessor uses in order for the scores to give you any more info than you have now. If you don’t know which bureau they’ll use, having the appropriate score from all three would further mitigate any potential surprises if/when you apply.