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  1. Hi Marv, Quick question, I went to lease my first car at Accura. Everything was going great, UNTIL I got into the finance office. I just want to make note that I wanted to talk withthe finance lady prior to running my credit, as I had some questions. That was not an option. Ok I get in the office and her deamnor was nasty, ok anyway. She looked at my application, asked basic questions and entered it in the computer, next thing I know she said your denyed, sorry and closed my file. I was shocked, U asked the following: reason: not enough credit history Score: 697 ( she said I qualified for their preferred Tier which is Tier 1) (she didn't know if it was auto enhanced scoring, she asked what is that) who did they pull: Experian ONLY what can be done: co-signer who can show payment history She said she couldn't print anything out but moved the screen to show me what America Honda Finance gave her. I saw my one credit card that I opened back in Oct 2013 CL 2000 ( i have 2 other cc I was approved for but are not reporting yet) I have no baddies never been late. my questions MarvBear is: when trying to get a lease approval from the bank, the negotiated price is the amount they are requesting right? In my case it was $34,155 Am I entitled to something in writing stating that I was denied and based off what factors? I never actually seen the denial Should I request to speak to an under writer @ American Honda Finance on Monday and explain anything? (the finance lady didn't know what or who it was) Could I have chosen a different model less than the amount she entered requesting an approval? or is it just denied regardless? Should I try again when these two cards start to report? How long should I wait to retry again? Are there any car financing companies that are first time leasing friendly that you can recommend? would I face the same issue with other car financing companies? Should I just take out a loan from my local credit union and just pay it as per terms just to show that I am responsible? and for how long do you recommend that I have the term for? The income is there and was given proof via 6 months of pay-stubs. I was putting 0 down as I knew I qualified for at least preferred tier 1 I went on a mini app spree, well I only applied for one (and I truly believe that is an app spree) cc and was approved instantly. They pulled Experian despite the fact that 5 minutes prior I refroze it! Even though I didn't drive off with my car, I appreciate the experience!! It has taught me that I can face these car dealers and have the confidence and wisdom to show that I know what the bleeeeepppp I am talking about!! Except when it comes to financing All help is appreciated!! I look forward to your feedback!

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