Agreed... 777 here, and they were doing everything they could to make sure that I drove out in a new Lexus! Keep in mind though that it depends on whether you are intending to purchase or lease. Generally, you have to have a higher score to lease than to buy, and it will make a difference as to how much you have to put down to get a decent payment. Also, you can't really rely on your score as you get it from the big three, (Experian, TRW, Equifax), because they calculate a bit differently at the dealer. (To their benefit, of course). My report from the big three showed my score at 830, but only 777 from the dealers report.