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1 Auto Loans. 2  As with credit cards, if you have bad credit, you'll have trouble qualifying for an auto loan, if you qualify at all. 3  The worse your credit, the higher your interest rates and, most likely, the higher the down payment required to secure the loan.
Three most recent Speaking of Credit stories: 1  How being denied credit affects your score â Only the hard inquiry affects the credit score of an applicant when their credit report is pulled  ... Hard inquiry warning not required â The impact of that inquiry can range from slightly harmful to positive ...