If ya don't owe on those debts, look up Lexington Law Firm. They'll clean up your credit pretty well. I had stuff on mine I didn't owe, stuff I'd paid but hadn't marked paid, just all kinds of little nusance stuff that didn't belong on there. It'll take em a few months (less than 6 I'd imagine) but it's $$ well spent. Your credit score will be a lot higher so you'll get a better rate on your loan.
I'd hesitate on doing a lease. I have't read others comments yet so not sure if people agree or disagree. The problem w/ the lease is you actually get penalized for paying early. Since you'll owe the full value of the loan no matter how fast ya pay it off. I almost signed a lease until I went over the numbers. A 10K loan was going to cost me almost 20K over 3 years. If I had a great summer & paid it off this year, I'd still owe the whole 20K. Which means I could have a 100% loan over 4 months or whatever. That's an expensive way to go.
So waiting might be a good idea & also make sure ya check out Lexington Law Firm on your credit issues.
Good luck to ya