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Really depends on the lender, but with a FICO score in the mid 500's, it's going to be a problem. She's going to be considered secondary most likely, no matter how many car loans/mortgages she's paid off. Get that R9 off for that CC and then work back towards a good score.
Additionally, it's harder to lease than it is to buy, because of the burden that inherently comes with the Lease (they tend to trust people with higher scores, because they assume they'll take care of the cars).
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