Quote Quoting mjswen
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My lease is up in 3 months, I also have a low credit score, even lower than your 650. I have been shopping around for other vehicles and with a score of 650, you should be able to finance another vehicle. What I did was I stopped paying the lease payments and saved that money, put it with the stimulis refund and just bought a 4k used car. Now no car payment cheaper insurance and cheaper gas. I gave the car back to the bank. Yes it is considered a voluntary repo, but my credit sux anyway. I will eventually pay this debt, but for now it got me out of the jam.
You should have started this as a new thread. But anyway,

Who says a credit score of 650 is bad? it is on the low end of GOOD, by now having a repo your score will go down to the 400's.

I wish you would have asked this BEFORE you took it on your own to think that your score was bad, it was anything but. With a 650 FICO score you can get a Visa, Mastercard or American Express as an unsecured card from any major bank. YES with a 650 score you can finance a new car with zero down.

With a fico score in the 400's you cant get air.

Here is a link to FICO, join the forums there and educate yourself. Better late then never

http://www.myfico.com/