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Nope its not a lease. What exactly do you mean when you say strength of the file? I have several 30 day lates between 2012/2013. On time since January except March due to family death and apt fire. it likely wouldnt be considered strong, if I understand you correctly.
no lease, thats good as they will count a future payment knowing the car gets turned in.
strenght = assets, down payment ect.