WASHINGTON (WUSA) -- More protections are going in for consumers looking for a car loan.

Here's the scenario: You go to the dealer, pick out a car and then the finance department comes up with a loan package.But if your credit isn't great, then you'll pay more through higher interest -- and you may not even know it.

That's changing. A federal judge says auto dealers who use consumers' bad credit histories to charge them more must now tell buyers they have negative information on their credit report.

This rule works even if the loan is farmed out to a bank or finance company.

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