I have recently been fixing up my scores, paying off or settling bad debts, getting my utilization down, etc. I think I am now stuck in a waiting period for time to show my accounts in good standing. I went from 13,000 to 300 balance on my accounts.
My I tried to get a car or lease a car before all of this a year ago and obviously I couldn't. However my fiance was able to get a car leased for me that I use and I pay. Have been paying on time for a year now.
2 questions.
Is there a way to go back to the lender since I have a 3 year lease and see if they can switch it over to 1. me?
2. If they can, is this a good idea to try to help my credit get stronger?
Unfortunately I still cant open ANY accounts to try to get by available credit up. I can't get approved for anything.
Thanks for your help!