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Today Ray and Zach discuss the five different credit tiers that car buyers can qualify for, and what their current rates are. Ray discusses how Auto FICO scores can be accessed in advance of going to a dealership, and provides some insight into how car dealerships use this data during the negotiation process.

0:00 Introduction
1:25 What are the credit tiers
4:09 Super prime rates
4:41 Prime rates
5:06 Standard rates
5:16 Sub prime rates

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