I am looking to buy in the next few months, but am trying to clean up my credit before then. My credit score is not good right now, but some older items are falling off, and I have a couple things I can improve that have been re-aged. My question is if anyone is familiar with Lexus' finance department and what score they considered 'well qualified' and what they consider to be acceptable if below 'well qualified'. I have very good salary and net worth, so it is just an issue of credit score reflecting problems a few years back. Do they use Experian or Equifax?