Recently pulled my report through Equifax and it had a "Too many Consumer Finance Company Accounts" negative on it. The problem is, as far as I know I have zero of those, unless I'm misunderstanding what they are. I have 3 credit cards with Capital One, one credit card with Citi Group. I have an auto loan through Capital One. Those are all the lines of credit that I have. Are Capital One loans considered consumer credit loans?
This notation could also apply to a closed account that appears on your credit report. As mentioned above a lot of merchant accounts are coded this way as well as some of the more risky consumer loan accounts. It is not a large negative anyway and if this is in your top three reasons your score could be better then you are doing alright.