Would I get approved for a lease transfer?

[Anonymous]

I was hoping some insight would help before I apply for a lease transfer loan through US Bank...
Credit Karma Scores: TU 525 EX 551
2 credit cards all under 40% utilization, 2 unsecured personal loans (balance began at $39k) current balances 29k.
No previous auto history
Longest trade line : 8 years
No mortgage
14 total late payments in the last 24 months (currently disputing because they were due to a divorce)
2 collection accounts - were to be removed in June but has not been updated.

I'm trying to get approved for a lease transfer, 22 remaining months, car payment is $830.

My income is $104k.

Anyone think this is possible with my scores?

[Anonymous]

Very good chance you will be denied for the lease transfer. They tend to be harder and the 830 payment is extreme for someone in the 5s

[Anonymous]

Would a co-borrower with 680+ increase the chance?

[Anonymous]

Personally, I'd revisit this idea when you have the $29k in personal loans paid off, your credit card utilization under control, and are consistently making payments on time.