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I have a few consumer credit accounts listed on my credit reports. They were from Aaron's rental I had about 4 for them. At the time it was the only way I could get the things that I needed. I paid them all off on time or early but when I pull my score on myfico it counts as negative because it's a consumer account. How much does the really hurt my score?
Consumer finance loans are considered bad because they are looked at as for people with bad credit or high risk.