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Why is my credit score so low?*

I'm only 21 and know a short credit history doesn't help out my credit score. I've been keeping up with my experian score and its at about 650 right now. I'm looking to lease a new car and wanted to get the score most lenders look at so I checked my FICO score which is only a 580. I've had a car loan for 2 and a half years which I was approved for with almost no credit, and paid on time every month. I also have 4 credit cards and the worst defaults I made were 2 careless late payments of 30 days about 6 months ago. I have about 60% available on my credit cards. I don't understand how paying my car off for over 2 years doesn't give be a better score

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