So if a dealer gave me a quote on a lease, without 1st running my credit, why should I assume he used a great credit rating (which I have) when determining the MF?

 

For the record, he told me he used a .00191 MF.

 

You shouldn't have to assume he used the lowest rate. You should ask him what the lowest rate is for the top tier credit. Then cross check his rate with other dealers and websites that post these numbers. BMW is a good example of a dealership that doesn't quote base rates on their more popular models.