I know this should be in rebuilding but i know more people will respond here.
Just got a SW alert that my EQ FICO gained 7 points from 661 to 668 (Gardening rocks! )
Went through my report and found no real difference then Chase reporting a higher balance and where it says "Understanding your report" On the scale i had a real skinny red bar that was nver there before saying
4. Consumer finance account
What oes that mean???
You will find more than enough answers on this - and probably hours of reading - here:
This was on my report when I had an account at Conn's appliance store. Not sure if you are in Texas but thats where this store is located. I had purchased a dryer and received 90 days same as cash. This account dropped off and this message went away.