You need to take the "lease" concept off the table with a relatively fresh repo. You are going to be looking at purchasing,-even if you could lease I doubt the payment/terms will be favorable compared to a purchase.
You need to right now generate a relationship with a local credit union that may be friendly/less stringent in lending to you.
As to what Bureau?
That is different to each specific lender and also to region of the country.
Ford Motor Credit may favor Transunion on the East Coast, but Equifax on the West.
Good luck in your pursuits
