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I know my Xchange lease isn't on my credit report, although I imagine if I defaulted or fell behind in payments it probably would show up.

As far as sharing, the contract states that the vehicle is to be in control of the lessee at all times.
 

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As far as two people using the same vehicle, why would the lessor care so long as payments are made by the person/entity named in the lease? Think of the various parents that lease a vehicle for their kids. Xchange should be no different. They ARE getting a significant premium, after all!

I thought everyone qualified for Xchange, regardless of credit. Just my thoughts.
 
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