How can finance loans actually "hurt your score"?

[SomeGuyOnTheWeb]

I did the whole rent-to-own thing at Aaron's to take advantage of what I thought was a good deal (a sofa, loveseat, three tables, a rug and two lamps) for $1,200. Paid it off in three months, and I never did see anything appear on my credit report. 

But as I say that, it'll probably pop up on something.

[taxi818]

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@SomeGuyOnTheWeb wrote:

I did the whole rent-to-own thing at Aaron's to take advantage of what I thought was a good deal (a sofa, loveseat, three tables, a rug and two lamps) for $1,200. Paid it off in three months, and I never did see anything appear on my credit report. 

But as I say that, it'll probably pop up on something.

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It's not like Aaron's. They advertise no credit report. It's like the local mom and pop. Badcock. Kane's. It will show up as cfl. They will ask for your social. Aaron's only want drivers license