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Looking at my mortgage scores, I see "You have a consumer finance account on your credit report." checked on one of my CRAs. I'm trying to determine which loan this is referencing, so I can work to pay it off and close the account. I have my motorcycle financed through NFCU as a consumer loan and also have a MidCountry Bank unsecured loan.
Do either of those sound like they fit the bill? Or would it more than likely be a closed account triggering this?
@Anonymouswrote:Looking at my mortgage scores, I see "You have a consumer finance account on your credit report." checked on one of my CRAs. I'm trying to determine which loan this is referencing, so I can work to pay it off and close the account. I have my motorcycle financed through NFCU as a consumer loan and also have a MidCountry Bank unsecured loan.
Do either of those sound like they fit the bill? Or would it more than likely be a closed account triggering this?
I'm almost positive it is the MidCountry Bank unsecured loan.
From https://www.midcountrybank.com/affiliates.aspx:
"A consumer finance company, Heights Finance Corporation, serves small communities throughout Illinois, Indiana, Kentucky, Missouri, Tennessee and Wisconsin."
Did you ever get a loan through Heights Finance that reports as Midcountry?
Question for our OP. Can you clarify for us which FICO scoring model is it that is giving you the negative reason statement about the CFA? Is it FICO 8 Classic? A mortgage score? Something else?
Mortgage score on the 3B. Only one CRA has this checked, but all loans are reported by all CRAs.
@Anonymouswrote:From https://www.midcountrybank.com/affiliates.aspx:
"A consumer finance company, Heights Finance Corporation, serves small communities throughout Illinois, Indiana, Kentucky, Missouri, Tennessee and Wisconsin."
Did you ever get a loan through Heights Finance that reports as Midcountry?
It was through Pioneer Services, which I do not see a similar statement for them on that link.