Your 22 cal dewy rod is most likely catching/scraping against the bolt guide. Just take the action out of the stock, remove the 2 bolts holding the mag well and slide out the bolt guide while pressing the trigger (it is the silver component inside of the action). The little stubby on the bolt guide usually scrapes 22 cleaning rods, 20 cal rods clear fine). You should be able to clean the barrel now the way you are used to. Hopefully you have a decent bore guide.
Like others have suggested, the inaccuracies of your rifle could be related to your scope (parallax) and perhaps the thickness of the reticle. But I agree with OldSavage, it shouldn't add up to 1.5-3 in groups. You probably have a combination of smaller issues that are adding up...Until you get a rimfire/or AO scope you won't really know for sure what your rifle can do...
If you have a decent torque driver, I would start with checking the barrel grub screws and re-torque them to 30-35 in lbs. Have you ever removed the barrel before you went shooting? Checking the action screws is also important. Also evaluate how the action fits into the inletting. Is it rocking in the stock at all when you remove the action screws?
Why don't you post some pictures of the groups you shot, maybe there are some patters that could point us in the right direction.
Kody