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  1. Wondering whether I would have a better chance at getting a lease or a traditional finance. Long story short, paid what I thought was my last tmobile cell bill. Turns out a new bill came out with a few bucks on it, tmobile never sent a bill and autopay turned off since the account was cancelled according to tmobile. Got a late on the reports so my scores dropped to 660, 662, and 663. Have income, and not much credit card debt, owe 1000 with 15k available credit . Other than the tmobile late everything else is paid on time, no other bad accounts on reports
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