 TITLE: What Credit Score Do I Need for a Car Lease? CONTENT: Can I Build Credit With a Car Lease?\n------------------------------------\nLenders typically report lease payments to the three credit bureaus (Experian, TransUnion and Equifax) the same way they would loan installments, so a lease can help you build credit. If you make all of your lease payments on time, your credit report will reflect that positive credit behavior. Because payment history is the most important factor in your credit score calculation, on-time payments will go a long way to help your credit score.\nOn the other hand, if you submit a payment more than 30 days late, that will also appear on your credit history and will lower your score. As with any type of financing, it's a good idea to examine your budget and make sure you can afford your lease payments before you sign the agreement. END