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I've noticed that the FICO scores consumers get from the bureaus doesn't match the scores lenders pull. Sometimes off significantly. Also, there's auto-specific FICO scores...
One tactic on auto leases is to ask (the fleet manager) upfront "how much over/under invoice (or MSRP)" if you lease it to me at the buy rate? You're better off letting them make a little extra there instead of on the "back end."
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