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Credit score affect on auto loan interest rates...?

I am 24 and just began working full time and making pretty good money. I've had 1 credit card and 2 department store credit cards for over 2 years and have excellent payment history and plenty of credit left on all cards. I just applied for an auto loan and got back really outrageous rates like 15-16% so I went on and checked my credit report and realized I had some problems.

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